Call reports 2007
DEDHAM INSTITUTION FOR SAVINGS — 2007
What DEDHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 933,900,000 | 956,604,000 | 961,482,000 | 964,653,000 |
| Total loans | 605,378,000 | 641,396,000 | 660,773,000 | 670,180,000 |
| Allowance for loan losses | 3,373,000 | 3,273,000 | 3,271,000 | 3,461,000 |
| Securities available for sale | 232,574,000 | 243,737,000 | 238,854,000 | 218,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 789,658,000 | 811,047,000 | 784,131,000 | 797,010,000 |
| Interest-bearing deposits | 754,204,000 | 773,645,000 | 749,922,000 | 761,514,000 |
| Noninterest-bearing deposits | 35,454,000 | 37,402,000 | 34,209,000 | 35,496,000 |
| Equity capital | 101,443,000 | 101,663,000 | 103,523,000 | 104,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,490,000 | 23,745,000 | 36,465,000 | 49,446,000 |
| Interest expense | 6,054,000 | 12,697,000 | 19,575,000 | 26,529,000 |
| Net interest income | 5,436,000 | 11,048,000 | 16,890,000 | 22,917,000 |
| Noninterest income | 793,000 | 1,496,000 | 2,341,000 | 3,261,000 |
| Noninterest expense | 5,549,000 | 11,274,000 | 16,947,000 | 22,946,000 |
| Provision for loan losses | 193,000 | 344,000 | 530,000 | 563,000 |
| Pretax income | 679,000 | 1,446,000 | 2,274,000 | 4,227,000 |
| Income tax | 188,000 | 364,000 | 560,000 | 1,149,000 |
| Net income | 491,000 | 1,082,000 | 1,714,000 | 3,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,254,000 | 98,853,000 | 99,470,000 | 100,838,000 |
| Total capital | 105,302,000 | 106,317,000 | 107,528,000 | 108,271,000 |
| Risk-weighted assets | 562,719,000 | 581,318,000 | 591,248,000 | 595,370,000 |