Call reports 2009
NEEDHAM BANK — 2009
What NEEDHAM BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 981,374,000 | 1,048,420,000 | 1,063,869,000 | 1,095,776,000 |
| Total loans | 787,558,000 | 827,788,000 | 863,899,000 | 890,621,000 |
| Allowance for loan losses | 12,503,000 | 12,912,000 | 14,973,000 | 15,913,000 |
| Securities available for sale | 133,618,000 | 131,083,000 | 140,484,000 | 150,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 623,365,000 | 696,187,000 | 715,862,000 | 736,821,000 |
| Interest-bearing deposits | 616,003,000 | 684,517,000 | 702,797,000 | 719,607,000 |
| Noninterest-bearing deposits | 7,362,000 | 11,671,000 | 13,064,000 | 17,214,000 |
| Equity capital | 178,211,000 | 179,216,000 | 180,962,000 | 182,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 12,778,000 | 25,538,000 | 38,996,000 | 52,875,000 |
| Interest expense | 6,004,000 | 11,696,000 | 17,184,000 | 22,174,000 |
| Net interest income | 6,774,000 | 13,842,000 | 21,812,000 | 30,701,000 |
| Noninterest income | -472,000 | -222,000 | 32,000 | 335,000 |
| Noninterest expense | 3,408,000 | 7,805,000 | 11,713,000 | 15,965,000 |
| Provision for loan losses | 2,346,000 | 4,339,000 | 6,690,000 | 8,946,000 |
| Pretax income | 548,000 | 1,484,000 | 3,277,000 | 5,961,000 |
| Income tax | 492,000 | 757,000 | 1,399,000 | 2,400,000 |
| Net income | 56,000 | 727,000 | 1,878,000 | 3,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,018,000 | 178,709,000 | 179,957,000 | 180,821,000 |
| Total capital | 186,086,000 | 187,289,000 | 188,535,000 | 189,750,000 |
| Risk-weighted assets | 641,024,000 | 682,072,000 | 681,566,000 | 707,369,000 |
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