Call reports 2005
DANVERSBANK — 2005
What DANVERSBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,084,407,000 | 1,102,459,000 | 1,112,178,000 | 1,135,383,000 |
| Total loans | 739,190,000 | 763,210,000 | 771,053,000 | 793,471,000 |
| Allowance for loan losses | 9,018,000 | 9,322,000 | 9,661,000 | 9,958,000 |
| Securities available for sale | 265,490,000 | 256,506,000 | 254,715,000 | 252,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 809,711,000 | 841,624,000 | 832,552,000 | 853,757,000 |
| Interest-bearing deposits | 775,172,000 | 794,522,000 | 786,820,000 | 807,164,000 |
| Noninterest-bearing deposits | 34,539,000 | 47,102,000 | 45,732,000 | 46,593,000 |
| Equity capital | 74,363,000 | 76,335,000 | 77,395,000 | 78,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 13,080,000 | 27,028,000 | 41,529,000 | 57,242,000 |
| Interest expense | 4,220,000 | 9,057,000 | 14,281,000 | 20,089,000 |
| Net interest income | 8,860,000 | 17,971,000 | 27,248,000 | 37,153,000 |
| Noninterest income | 1,527,000 | 2,900,000 | 4,174,000 | 5,401,000 |
| Noninterest expense | 8,004,000 | 16,193,000 | 24,036,000 | 32,638,000 |
| Provision for loan losses | 313,000 | 625,000 | 938,000 | 1,250,000 |
| Pretax income | 2,070,000 | 4,063,000 | 6,458,000 | 8,676,000 |
| Income tax | 455,000 | 932,000 | 1,510,000 | 1,791,000 |
| Net income | 1,615,000 | 3,131,000 | 4,948,000 | 6,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,821,000 | 78,499,000 | 80,199,000 | 81,267,000 |
| Total capital | 86,849,000 | 87,831,000 | 89,870,000 | 91,235,000 |
| Risk-weighted assets | 809,855,000 | 823,781,000 | 825,617,000 | 854,758,000 |