Call reports 2008
DEDHAM INSTITUTION FOR SAVINGS — 2008
What DEDHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 995,437,000 | 1,014,465,000 | 984,155,000 | 963,581,000 |
| Total loans | 684,528,000 | 696,966,000 | 722,286,000 | 697,540,000 |
| Allowance for loan losses | 3,457,000 | 3,659,000 | 3,738,000 | 3,911,000 |
| Securities available for sale | 222,244,000 | 215,717,000 | 193,136,000 | 172,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 819,632,000 | 834,445,000 | 802,258,000 | 800,998,000 |
| Interest-bearing deposits | 783,697,000 | 792,806,000 | 766,286,000 | 768,109,000 |
| Noninterest-bearing deposits | 35,935,000 | 41,639,000 | 35,972,000 | 32,889,000 |
| Equity capital | 102,834,000 | 100,862,000 | 92,363,000 | 80,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,841,000 | 25,632,000 | 38,665,000 | 51,236,000 |
| Interest expense | 6,859,000 | 13,658,000 | 19,958,000 | 25,949,000 |
| Net interest income | 5,982,000 | 11,974,000 | 18,707,000 | 25,287,000 |
| Noninterest income | 660,000 | 1,507,000 | 2,358,000 | 2,885,000 |
| Noninterest expense | 5,519,000 | 10,861,000 | 19,989,000 | 27,079,000 |
| Provision for loan losses | 4,000 | 208,000 | 303,000 | 490,000 |
| Pretax income | 1,261,000 | 2,788,000 | 1,135,000 | -7,941,000 |
| Income tax | 439,000 | 885,000 | 279,000 | 864,000 |
| Net income | 822,000 | 1,903,000 | 856,000 | -8,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,661,000 | 102,734,000 | 101,685,000 | 91,311,000 |
| Total capital | 107,683,000 | 107,471,000 | 105,949,000 | 95,222,000 |
| Risk-weighted assets | 599,727,000 | 619,992,000 | 627,480,000 | 600,572,000 |