Call reports 2005
DEDHAM CO-OPERATIVE BANK THE — 2005
What DEDHAM CO-OPERATIVE BANK THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,974,000 | 83,156,000 | 88,321,000 | 87,848,000 |
| Total loans | 37,583,000 | 39,050,000 | 43,891,000 | 45,146,000 |
| Allowance for loan losses | 288,000 | 293,000 | 299,000 | 305,000 |
| Securities available for sale | 32,156,000 | 33,303,000 | 33,009,000 | 30,584,000 |
| Securities held to maturity | 5,754,000 | 5,213,000 | 5,175,000 | 5,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,484,000 | 55,004,000 | 55,609,000 | 55,593,000 |
| Interest-bearing deposits | 51,707,000 | 54,429,000 | 54,968,000 | 54,588,000 |
| Noninterest-bearing deposits | 777,000 | 575,000 | 641,000 | 1,005,000 |
| Equity capital | 12,408,000 | 12,653,000 | 12,624,000 | 12,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,789,000 | 2,744,000 | 3,709,000 |
| Interest expense | 334,000 | 703,000 | 1,154,000 | 1,637,000 |
| Net interest income | 546,000 | 1,086,000 | 1,590,000 | 2,072,000 |
| Noninterest income | 23,000 | 50,000 | 77,000 | 104,000 |
| Noninterest expense | 393,000 | 773,000 | 1,140,000 | 1,539,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 170,000 | 354,000 | 512,000 | 614,000 |
| Income tax | 60,000 | 107,000 | 163,000 | 196,000 |
| Net income | 110,000 | 247,000 | 349,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,715,000 | 12,852,000 | 12,954,000 | 13,023,000 |
| Total capital | 13,003,000 | 13,145,000 | 13,253,000 | 13,328,000 |
| Risk-weighted assets | 41,541,000 | 42,745,000 | 45,454,000 | 45,029,000 |