Call reports 2005
DEDHAM INSTITUTION FOR SAVINGS — 2005
What DEDHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 862,933,000 | 862,713,000 | 866,402,000 | 868,473,000 |
| Total loans | 535,934,000 | 522,222,000 | 525,900,000 | 533,750,000 |
| Allowance for loan losses | 2,742,000 | 2,764,000 | 2,845,000 | 2,876,000 |
| Securities available for sale | 271,339,000 | 266,419,000 | 256,535,000 | 248,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 746,597,000 | 754,008,000 | 757,121,000 | 757,449,000 |
| Interest-bearing deposits | 714,177,000 | 718,389,000 | 720,458,000 | 722,273,000 |
| Noninterest-bearing deposits | 32,420,000 | 35,619,000 | 36,663,000 | 35,176,000 |
| Equity capital | 93,909,000 | 96,408,000 | 96,708,000 | 96,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,111,000 | 18,085,000 | 27,300,000 | 37,100,000 |
| Interest expense | 3,388,000 | 6,983,000 | 10,758,000 | 14,716,000 |
| Net interest income | 5,723,000 | 11,102,000 | 16,542,000 | 22,384,000 |
| Noninterest income | 480,000 | 1,208,000 | 1,961,000 | 2,398,000 |
| Noninterest expense | 5,268,000 | 10,145,000 | 15,302,000 | 21,486,000 |
| Provision for loan losses | 75,000 | 75,000 | 159,000 | 159,000 |
| Pretax income | 1,509,000 | 2,778,000 | 3,730,000 | 4,045,000 |
| Income tax | 484,000 | 914,000 | 1,147,000 | 1,117,000 |
| Net income | 1,025,000 | 1,864,000 | 2,583,000 | 2,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,604,000 | 92,412,000 | 93,139,000 | 93,488,000 |
| Total capital | 97,938,000 | 98,804,000 | 99,975,000 | 100,348,000 |
| Risk-weighted assets | 493,136,000 | 497,366,000 | 502,519,000 | 508,813,000 |