Call reports 2006
NEEDHAM BANK — 2006
What NEEDHAM BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 510,465,000 | 544,938,000 | 561,216,000 | 595,121,000 |
| Total loans | 383,154,000 | 406,770,000 | 427,925,000 | 459,338,000 |
| Allowance for loan losses | 4,900,000 | 5,200,000 | 5,600,000 | 5,850,000 |
| Securities available for sale | 109,911,000 | 108,495,000 | 106,940,000 | 106,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,791,000 | 304,400,000 | 325,964,000 | 370,848,000 |
| Interest-bearing deposits | 278,083,000 | 301,565,000 | 323,247,000 | 363,011,000 |
| Noninterest-bearing deposits | 708,000 | 2,835,000 | 2,717,000 | 7,837,000 |
| Equity capital | 151,759,000 | 152,843,000 | 155,802,000 | 157,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,387,000 | 15,350,000 | 23,967,000 | 32,744,000 |
| Interest expense | 2,240,000 | 5,102,000 | 8,570,000 | 12,677,000 |
| Net interest income | 5,147,000 | 10,248,000 | 15,397,000 | 20,067,000 |
| Noninterest income | 89,000 | 196,000 | 299,000 | 425,000 |
| Noninterest expense | 2,365,000 | 4,987,000 | 6,849,000 | 8,522,000 |
| Provision for loan losses | 500,000 | 800,000 | 1,200,000 | 1,450,000 |
| Pretax income | 2,371,000 | 4,657,000 | 7,647,000 | 10,520,000 |
| Income tax | 849,000 | 1,392,000 | 2,491,000 | 3,538,000 |
| Net income | 1,522,000 | 3,265,000 | 5,156,000 | 6,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,190,000 | 154,923,000 | 156,834,000 | 158,649,000 |
| Total capital | 157,375,000 | 159,426,000 | 161,438,000 | 163,543,000 |
| Risk-weighted assets | 334,116,000 | 359,520,000 | 367,288,000 | 390,538,000 |
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