Call reports 2004
DEDHAM INSTITUTION FOR SAVINGS — 2004
What DEDHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 857,330,000 | 866,134,000 | 871,686,000 | 865,479,000 |
| Total loans | 482,373,000 | 501,545,000 | 511,625,000 | 516,160,000 |
| Allowance for loan losses | 2,679,000 | 2,680,000 | 2,681,000 | 2,666,000 |
| Securities available for sale | 313,426,000 | 297,797,000 | 297,471,000 | 285,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 753,979,000 | 762,307,000 | 756,323,000 | 755,746,000 |
| Interest-bearing deposits | 723,098,000 | 727,729,000 | 722,491,000 | 723,034,000 |
| Noninterest-bearing deposits | 30,881,000 | 34,578,000 | 33,832,000 | 32,712,000 |
| Equity capital | 95,170,000 | 91,271,000 | 94,311,000 | 95,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,657,000 | 16,965,000 | 25,827,000 | 34,929,000 |
| Interest expense | 3,431,000 | 6,857,000 | 10,301,000 | 13,768,000 |
| Net interest income | 5,226,000 | 10,108,000 | 15,526,000 | 21,161,000 |
| Noninterest income | 697,000 | 1,285,000 | 1,916,000 | 3,184,000 |
| Noninterest expense | 4,979,000 | 9,817,000 | 14,731,000 | 20,781,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,442,000 | 2,279,000 | 3,420,000 | 5,700,000 |
| Income tax | 485,000 | 712,000 | 1,045,000 | 1,686,000 |
| Net income | 957,000 | 1,567,000 | 2,375,000 | 4,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,535,000 | 88,151,000 | 88,939,000 | 90,577,000 |
| Total capital | 94,996,000 | 95,339,000 | 95,988,000 | 97,577,000 |
| Risk-weighted assets | 479,123,000 | 487,315,000 | 492,689,000 | 491,095,000 |