Call reports 2010
NEEDHAM BANK — 2010
What NEEDHAM BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,133,746,000 | 1,150,065,000 | 1,148,643,000 | 1,160,026,000 |
| Total loans | 928,012,000 | 927,647,000 | 957,121,000 | 972,994,000 |
| Allowance for loan losses | 17,549,000 | 19,162,000 | 20,003,000 | 23,057,000 |
| Securities available for sale | 152,291,000 | 147,820,000 | 150,048,000 | 139,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 775,695,000 | 806,123,000 | 828,647,000 | 816,236,000 |
| Interest-bearing deposits | 755,569,000 | 787,699,000 | 810,466,000 | 792,153,000 |
| Noninterest-bearing deposits | 20,126,000 | 18,424,000 | 18,181,000 | 24,083,000 |
| Equity capital | 185,270,000 | 187,996,000 | 190,483,000 | 190,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 14,019,000 | 28,630,000 | 43,056,000 | 57,605,000 |
| Interest expense | 4,407,000 | 8,795,000 | 13,030,000 | 16,936,000 |
| Net interest income | 9,612,000 | 19,835,000 | 30,026,000 | 40,669,000 |
| Noninterest income | 147,000 | 535,000 | 723,000 | 691,000 |
| Noninterest expense | 5,790,000 | 10,597,000 | 15,398,000 | 20,583,000 |
| Provision for loan losses | 1,355,000 | 3,743,000 | 5,493,000 | 8,783,000 |
| Pretax income | 2,673,000 | 6,089,000 | 9,917,000 | 10,851,000 |
| Income tax | 1,061,000 | 2,364,000 | 3,839,000 | 4,438,000 |
| Net income | 1,612,000 | 3,725,000 | 6,078,000 | 6,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 181,137,000 | 183,649,000 | 186,082,000 | 184,216,000 |
| Total capital | 190,385,000 | 192,910,000 | 195,722,000 | 194,068,000 |
| Risk-weighted assets | 731,576,000 | 730,947,000 | 760,845,000 | 774,969,000 |
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