Call reports 2003
DEDHAM INSTITUTION FOR SAVINGS — 2003
What DEDHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 835,124,000 | 849,283,000 | 863,963,000 | 859,293,000 |
| Total loans | 463,191,000 | 450,083,000 | 453,972,000 | 468,700,000 |
| Allowance for loan losses | 2,790,000 | 2,771,000 | 2,663,000 | 2,683,000 |
| Securities available for sale | 286,068,000 | 318,529,000 | 324,596,000 | 315,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,152,000 | 754,204,000 | 756,070,000 | 762,455,000 |
| Interest-bearing deposits | 710,345,000 | 719,464,000 | 725,378,000 | 730,995,000 |
| Noninterest-bearing deposits | 33,807,000 | 34,740,000 | 30,692,000 | 31,460,000 |
| Equity capital | 88,779,000 | 91,761,000 | 91,806,000 | 92,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,555,000 | 18,821,000 | 27,269,000 | 35,864,000 |
| Interest expense | 4,551,000 | 8,837,000 | 12,723,000 | 16,432,000 |
| Net interest income | 5,004,000 | 9,984,000 | 14,546,000 | 19,432,000 |
| Noninterest income | 800,000 | 2,123,000 | 2,979,000 | 3,695,000 |
| Noninterest expense | 4,489,000 | 9,029,000 | 13,471,000 | 18,780,000 |
| Provision for loan losses | 0 | 0 | -108,000 | -108,000 |
| Pretax income | 1,254,000 | 3,558,000 | 5,309,000 | 5,727,000 |
| Income tax | 552,000 | 1,344,000 | 1,892,000 | 1,891,000 |
| Net income | 702,000 | 2,214,000 | 3,417,000 | 3,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,431,000 | 84,948,000 | 86,152,000 | 86,572,000 |
| Total capital | 89,213,000 | 91,476,000 | 92,524,000 | 93,854,000 |
| Risk-weighted assets | 456,032,000 | 453,707,000 | 465,611,000 | 475,646,000 |