Call reports 2006
DEDHAM INSTITUTION FOR SAVINGS — 2006
What DEDHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 893,610,000 | 894,379,000 | 894,240,000 | 915,216,000 |
| Total loans | 562,160,000 | 595,605,000 | 597,744,000 | 599,953,000 |
| Allowance for loan losses | 2,938,000 | 3,087,000 | 3,097,000 | 3,190,000 |
| Securities available for sale | 243,153,000 | 233,404,000 | 233,916,000 | 228,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 781,775,000 | 770,933,000 | 755,722,000 | 773,767,000 |
| Interest-bearing deposits | 746,000,000 | 736,202,000 | 720,770,000 | 734,772,000 |
| Noninterest-bearing deposits | 35,775,000 | 34,731,000 | 34,952,000 | 38,995,000 |
| Equity capital | 96,718,000 | 96,015,000 | 99,173,000 | 100,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,006,000 | 20,611,000 | 31,610,000 | 42,918,000 |
| Interest expense | 4,327,000 | 9,156,000 | 14,506,000 | 20,337,000 |
| Net interest income | 5,679,000 | 11,455,000 | 17,104,000 | 22,581,000 |
| Noninterest income | 787,000 | 1,545,000 | 2,368,000 | 3,323,000 |
| Noninterest expense | 5,626,000 | 10,951,000 | 16,277,000 | 21,969,000 |
| Provision for loan losses | 63,000 | 213,000 | 228,000 | 326,000 |
| Pretax income | 915,000 | 1,874,000 | 3,248,000 | 5,852,000 |
| Income tax | 247,000 | 500,000 | 929,000 | 1,596,000 |
| Net income | 668,000 | 1,374,000 | 2,319,000 | 4,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,162,000 | 94,875,000 | 95,822,000 | 97,759,000 |
| Total capital | 101,234,000 | 101,695,000 | 102,996,000 | 104,821,000 |
| Risk-weighted assets | 525,774,000 | 542,460,000 | 546,347,000 | 555,144,000 |