Call reports 2012
NEEDHAM BANK — 2012
What NEEDHAM BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,156,006,000 | 1,154,302,000 | 1,130,482,000 | 1,145,898,000 |
| Total loans | 921,839,000 | 904,283,000 | 900,601,000 | 904,285,000 |
| Allowance for loan losses | 15,742,000 | 15,867,000 | 14,348,000 | 14,067,000 |
| Securities available for sale | 166,469,000 | 185,320,000 | 181,592,000 | 176,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 891,767,000 | 891,993,000 | 872,637,000 | 869,978,000 |
| Interest-bearing deposits | 857,877,000 | 853,312,000 | 834,039,000 | 825,432,000 |
| Noninterest-bearing deposits | 33,890,000 | 38,681,000 | 38,598,000 | 44,546,000 |
| Equity capital | 203,451,000 | 206,263,000 | 209,489,000 | 212,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,427,000 | 26,585,000 | 39,359,000 | 51,891,000 |
| Interest expense | 2,868,000 | 5,526,000 | 8,060,000 | 10,271,000 |
| Net interest income | 10,559,000 | 21,059,000 | 31,299,000 | 41,620,000 |
| Noninterest income | 297,000 | 510,000 | 848,000 | 1,363,000 |
| Noninterest expense | 5,842,000 | 11,567,000 | 18,027,000 | 24,310,000 |
| Provision for loan losses | 350,000 | 650,000 | 650,000 | 650,000 |
| Pretax income | 4,664,000 | 9,358,000 | 13,476,000 | 18,144,000 |
| Income tax | 1,913,000 | 3,749,000 | 5,350,000 | 7,145,000 |
| Net income | 2,751,000 | 5,609,000 | 8,126,000 | 10,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 200,496,000 | 203,330,000 | 206,287,000 | 209,005,000 |
| Total capital | 209,858,000 | 212,893,000 | 215,927,000 | 218,718,000 |
| Risk-weighted assets | 742,572,000 | 758,707,000 | 766,439,000 | 772,691,000 |
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