Call reports 2013
NEEDHAM BANK — 2013
What NEEDHAM BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,128,301,000 | 1,176,300,000 | 1,228,500,000 | 1,313,717,000 |
| Total loans | 899,848,000 | 947,401,000 | 1,002,086,000 | 1,078,483,000 |
| Allowance for loan losses | 13,087,000 | 12,658,000 | 12,465,000 | 10,931,000 |
| Securities available for sale | 177,395,000 | 173,359,000 | 173,621,000 | 171,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 867,395,000 | 865,396,000 | 864,075,000 | 905,296,000 |
| Interest-bearing deposits | 827,635,000 | 817,228,000 | 815,650,000 | 850,943,000 |
| Noninterest-bearing deposits | 39,760,000 | 48,168,000 | 48,425,000 | 54,353,000 |
| Equity capital | 213,983,000 | 214,574,000 | 217,196,000 | 219,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 12,127,000 | 24,360,000 | 36,778,000 | 49,892,000 |
| Interest expense | 2,011,000 | 3,881,000 | 5,692,000 | 7,464,000 |
| Net interest income | 10,116,000 | 20,479,000 | 31,086,000 | 42,428,000 |
| Noninterest income | 292,000 | 627,000 | 974,000 | 1,312,000 |
| Noninterest expense | 6,729,000 | 13,481,000 | 20,340,000 | 27,648,000 |
| Provision for loan losses | -1,000,000 | -1,000,000 | -1,000,000 | -1,000,000 |
| Pretax income | 4,693,000 | 8,639,000 | 12,802,000 | 17,174,000 |
| Income tax | 1,996,000 | 3,506,000 | 5,071,000 | 6,835,000 |
| Net income | 2,697,000 | 5,133,000 | 7,731,000 | 10,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 208,682,000 | 210,581,000 | 213,201,000 | 215,617,000 |
| Total capital | 218,430,000 | 220,813,000 | 223,845,000 | 226,548,000 |
| Risk-weighted assets | 776,493,000 | 816,086,000 | 849,636,000 | 906,975,000 |
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