Call reports 2004
NEEDHAM BANK — 2004
What NEEDHAM BANK 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 | 426,840,000 | 428,316,000 | 437,200,000 | 442,877,000 |
| Total loans | 243,699,000 | 264,512,000 | 270,831,000 | 281,083,000 |
| Allowance for loan losses | 3,700,000 | 3,700,000 | 4,000,000 | 4,000,000 |
| Securities available for sale | 169,014,000 | 153,084,000 | 148,636,000 | 147,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,597,000 | 274,482,000 | 274,674,000 | 273,007,000 |
| Interest-bearing deposits | 274,288,000 | 274,013,000 | 272,821,000 | 272,830,000 |
| Noninterest-bearing deposits | 309,000 | 469,000 | 1,853,000 | 177,000 |
| Equity capital | 139,191,000 | 138,901,000 | 141,953,000 | 143,834,000 |
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 | 5,647,000 | 11,215,000 | 17,109,000 | 23,075,000 |
| Interest expense | 1,290,000 | 2,532,000 | 3,765,000 | 5,010,000 |
| Net interest income | 4,357,000 | 8,683,000 | 13,344,000 | 18,065,000 |
| Noninterest income | 75,000 | 201,000 | 312,000 | 398,000 |
| Noninterest expense | 2,080,000 | 3,453,000 | 4,772,000 | 6,073,000 |
| Provision for loan losses | 600,000 | 600,000 | 900,000 | 900,000 |
| Pretax income | 1,768,000 | 4,768,000 | 7,918,000 | 11,423,000 |
| Income tax | 583,000 | 1,639,000 | 2,906,000 | 4,098,000 |
| Net income | 1,185,000 | 3,129,000 | 5,012,000 | 7,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,742,000 | 139,626,000 | 141,548,000 | 143,872,000 |
| Total capital | 140,922,000 | 142,923,000 | 144,895,000 | 147,266,000 |
| Risk-weighted assets | 253,884,000 | 263,363,000 | 267,144,000 | 270,942,000 |
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