Call reports 2009
DEDHAM INSTITUTION FOR SAVINGS — 2009
What DEDHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 999,921,000 | 1,009,990,000 | 1,004,463,000 | 1,015,165,000 |
| Total loans | 721,530,000 | 735,749,000 | 721,263,000 | 694,215,000 |
| Allowance for loan losses | 3,901,000 | 4,076,000 | 4,415,000 | 4,711,000 |
| Securities available for sale | 163,767,000 | 160,116,000 | 161,895,000 | 155,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 839,215,000 | 842,402,000 | 837,337,000 | 862,273,000 |
| Interest-bearing deposits | 800,254,000 | 804,400,000 | 801,281,000 | 821,871,000 |
| Noninterest-bearing deposits | 38,961,000 | 38,002,000 | 36,056,000 | 40,402,000 |
| Equity capital | 79,377,000 | 85,787,000 | 90,249,000 | 95,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 12,037,000 | 23,832,000 | 35,325,000 | 46,756,000 |
| Interest expense | 5,389,000 | 10,423,000 | 14,969,000 | 19,195,000 |
| Net interest income | 6,648,000 | 13,409,000 | 20,356,000 | 27,561,000 |
| Noninterest income | 764,000 | 2,502,000 | 3,515,000 | 5,398,000 |
| Noninterest expense | 5,523,000 | 13,293,000 | 18,021,000 | 24,300,000 |
| Provision for loan losses | 69,000 | 559,000 | 1,078,000 | 1,425,000 |
| Pretax income | 1,867,000 | 2,236,000 | 3,362,000 | 5,977,000 |
| Income tax | 624,000 | 773,000 | 1,038,000 | 1,208,000 |
| Net income | 1,243,000 | 1,463,000 | 2,324,000 | 4,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,166,000 | 93,505,000 | 94,378,000 | 96,777,000 |
| Total capital | 96,067,000 | 97,645,000 | 99,795,000 | 102,577,000 |
| Risk-weighted assets | 618,754,000 | 636,804,000 | 614,359,000 | 622,524,000 |