Call reports 2013
DEDHAM INSTITUTION FOR SAVINGS — 2013
What DEDHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,139,512,000 | 1,143,623,000 | 1,209,709,000 | 1,228,186,000 |
| Total loans | 816,132,000 | 817,267,000 | 880,296,000 | 900,084,000 |
| Allowance for loan losses | 5,539,000 | 5,614,000 | 5,719,000 | 5,965,000 |
| Securities available for sale | 266,261,000 | 264,279,000 | 263,022,000 | 267,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 972,897,000 | 980,284,000 | 966,705,000 | 969,071,000 |
| Interest-bearing deposits | 910,996,000 | 911,289,000 | 900,043,000 | 899,901,000 |
| Noninterest-bearing deposits | 61,901,000 | 68,995,000 | 66,662,000 | 69,170,000 |
| Equity capital | 120,240,000 | 119,395,000 | 121,978,000 | 128,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,058,000 | 19,973,000 | 29,997,000 | 40,792,000 |
| Interest expense | 1,758,000 | 3,393,000 | 4,938,000 | 6,441,000 |
| Net interest income | 8,300,000 | 16,580,000 | 25,059,000 | 34,351,000 |
| Noninterest income | 959,000 | 2,061,000 | 3,038,000 | 4,742,000 |
| Noninterest expense | 6,846,000 | 13,764,000 | 20,815,000 | 28,116,000 |
| Provision for loan losses | 146,000 | 269,000 | 373,000 | 536,000 |
| Pretax income | 2,405,000 | 5,294,000 | 8,686,000 | 12,374,000 |
| Income tax | 547,000 | 1,245,000 | 1,951,000 | 3,153,000 |
| Net income | 1,858,000 | 4,049,000 | 6,735,000 | 9,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,050,000 | 121,230,000 | 123,906,000 | 126,365,000 |
| Total capital | 125,679,000 | 127,620,000 | 130,363,000 | 133,676,000 |
| Risk-weighted assets | 767,960,000 | 774,873,000 | 814,403,000 | 807,461,000 |