Call reports 2005
NEEDHAM BANK — 2005
What NEEDHAM BANK 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 | 441,593,000 | 461,706,000 | 472,913,000 | 482,937,000 |
| Total loans | 293,658,000 | 306,509,000 | 332,043,000 | 355,893,000 |
| Allowance for loan losses | 4,000,000 | 3,500,000 | 3,900,000 | 4,400,000 |
| Securities available for sale | 135,578,000 | 131,648,000 | 121,842,000 | 109,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,159,000 | 276,961,000 | 280,232,000 | 285,651,000 |
| Interest-bearing deposits | 271,053,000 | 276,082,000 | 279,099,000 | 284,458,000 |
| Noninterest-bearing deposits | 106,000 | 879,000 | 1,133,000 | 1,193,000 |
| Equity capital | 144,433,000 | 147,284,000 | 149,261,000 | 150,380,000 |
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 | 6,109,000 | 12,554,000 | 19,340,000 | 26,547,000 |
| Interest expense | 1,234,000 | 2,792,000 | 4,608,000 | 6,704,000 |
| Net interest income | 4,875,000 | 9,762,000 | 14,732,000 | 19,843,000 |
| Noninterest income | 108,000 | 230,000 | 340,000 | 434,000 |
| Noninterest expense | 2,329,000 | 4,624,000 | 6,056,000 | 7,621,000 |
| Provision for loan losses | 0 | -500,000 | -100,000 | 400,000 |
| Pretax income | 2,668,000 | 5,912,000 | 9,160,000 | 12,339,000 |
| Income tax | 1,090,000 | 1,998,000 | 3,218,000 | 4,412,000 |
| Net income | 1,578,000 | 3,914,000 | 5,942,000 | 7,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,380,000 | 147,695,000 | 149,703,000 | 151,678,000 |
| Total capital | 148,787,000 | 151,195,000 | 153,452,000 | 155,554,000 |
| Risk-weighted assets | 271,936,000 | 283,439,000 | 299,729,000 | 309,569,000 |
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