Call reports 2025
LOWELL FIVE CENT SAVINGS BANK, THE — 2025
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,732,788,000 | 1,753,656,000 | 1,764,619,000 | 1,801,657,000 |
| Total loans | 1,323,131,000 | 1,353,703,000 | 1,380,477,000 | 1,432,183,000 |
| Allowance for loan losses | 14,884,000 | 15,246,000 | 14,804,000 | 15,634,000 |
| Securities available for sale | 193,148,000 | 198,924,000 | 198,852,000 | 191,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,495,374,000 | 1,508,083,000 | 1,514,805,000 | 1,539,298,000 |
| Interest-bearing deposits | 1,278,156,000 | 1,290,049,000 | 1,298,390,000 | 1,326,912,000 |
| Noninterest-bearing deposits | 217,218,000 | 218,034,000 | 216,415,000 | 212,386,000 |
| Equity capital | 209,451,000 | 214,717,000 | 218,119,000 | 228,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 21,244,000 | 44,358,000 | 67,484,000 | 91,791,000 |
| Interest expense | 7,801,000 | 15,999,000 | 24,206,000 | 32,628,000 |
| Net interest income | 13,443,000 | 28,359,000 | 43,278,000 | 59,163,000 |
| Noninterest income | 1,119,000 | 2,256,000 | 3,565,000 | 9,272,000 |
| Noninterest expense | 10,220,000 | 20,487,000 | 30,452,000 | 41,990,000 |
| Provision for loan losses | 27,000 | 386,000 | 3,567,000 | 4,396,000 |
| Pretax income | 3,895,000 | 9,413,000 | 12,533,000 | 21,869,000 |
| Income tax | 1,022,000 | 2,471,000 | 3,290,000 | 5,741,000 |
| Net income | 2,873,000 | 6,942,000 | 9,243,000 | 16,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 221,123,000 | 225,192,000 | 227,492,000 | 234,379,000 |
| Total capital | 237,546,000 | 241,886,000 | 243,706,000 | 251,312,000 |
| Risk-weighted assets | 1,349,823,000 | 1,364,540,000 | 1,381,992,000 | 1,415,100,000 |