Call reports 2003
DEDHAM CO-OPERATIVE BANK THE — 2003
What DEDHAM CO-OPERATIVE BANK THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 76,323,000 | 76,970,000 | 76,620,000 | 75,960,000 |
| Total loans | 31,563,000 | 30,952,000 | 32,796,000 | 34,320,000 |
| Allowance for loan losses | 239,000 | 245,000 | 251,000 | 255,000 |
| Securities available for sale | 30,402,000 | 33,689,000 | 33,296,000 | 30,221,000 |
| Securities held to maturity | 8,194,000 | 4,539,000 | 4,112,000 | 4,136,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,149,000 | 52,361,000 | 52,261,000 | 51,581,000 |
| Interest-bearing deposits | 51,031,000 | 50,802,000 | 51,367,000 | 50,763,000 |
| Noninterest-bearing deposits | 1,118,000 | 1,559,000 | 894,000 | 818,000 |
| Equity capital | 12,126,000 | 12,476,000 | 12,433,000 | 12,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 940,000 | 1,849,000 | 2,720,000 | 3,579,000 |
| Interest expense | 401,000 | 782,000 | 1,120,000 | 1,436,000 |
| Net interest income | 539,000 | 1,067,000 | 1,600,000 | 2,143,000 |
| Noninterest income | 32,000 | 63,000 | 93,000 | 133,000 |
| Noninterest expense | 363,000 | 724,000 | 1,105,000 | 1,483,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 205,000 | 399,000 | 576,000 | 838,000 |
| Income tax | 79,000 | 108,000 | 169,000 | 265,000 |
| Net income | 126,000 | 291,000 | 407,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,611,000 | 11,776,000 | 11,892,000 | 12,058,000 |
| Total capital | 11,850,000 | 12,021,000 | 12,143,000 | 12,313,000 |
| Risk-weighted assets | 35,134,000 | 38,212,000 | 39,743,000 | 39,395,000 |