Call reports 2004
DEDHAM CO-OPERATIVE BANK THE — 2004
What DEDHAM CO-OPERATIVE BANK THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 77,235,000 | 80,926,000 | 81,932,000 | 82,449,000 |
| Total loans | 35,059,000 | 35,035,000 | 34,428,000 | 36,932,000 |
| Allowance for loan losses | 261,000 | 267,000 | 273,000 | 279,000 |
| Securities available for sale | 31,489,000 | 34,791,000 | 34,561,000 | 33,858,000 |
| Securities held to maturity | 5,041,000 | 5,427,000 | 5,849,000 | 5,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,296,000 | 54,172,000 | 54,867,000 | 51,912,000 |
| Interest-bearing deposits | 49,715,000 | 53,624,000 | 54,167,000 | 51,173,000 |
| Noninterest-bearing deposits | 581,000 | 548,000 | 700,000 | 739,000 |
| Equity capital | 12,665,000 | 12,306,000 | 12,596,000 | 12,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 848,000 | 1,685,000 | 2,553,000 | 3,432,000 |
| Interest expense | 299,000 | 595,000 | 917,000 | 1,240,000 |
| Net interest income | 549,000 | 1,090,000 | 1,636,000 | 2,192,000 |
| Noninterest income | 22,000 | 48,000 | 75,000 | 101,000 |
| Noninterest expense | 370,000 | 740,000 | 1,107,000 | 1,475,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 200,000 | 407,000 | 607,000 | 815,000 |
| Income tax | 72,000 | 122,000 | 194,000 | 269,000 |
| Net income | 128,000 | 285,000 | 413,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,186,000 | 12,343,000 | 12,471,000 | 12,605,000 |
| Total capital | 12,447,000 | 12,610,000 | 12,744,000 | 12,884,000 |
| Risk-weighted assets | 47,691,000 | 39,040,000 | 38,503,000 | 40,314,000 |