Call reports 2002
EAST BOSTON SAVINGS BANK — 2002
What EAST BOSTON SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 639,399,000 | 668,211,000 | 687,080,000 | 715,740,000 |
| Total loans | 367,643,000 | 370,996,000 | 370,594,000 | 385,756,000 |
| Allowance for loan losses | 2,053,000 | 2,147,000 | 2,136,000 | 2,250,000 |
| Securities available for sale | 226,872,000 | 246,775,000 | 259,968,000 | 277,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,916,000 | 565,417,000 | 582,550,000 | 602,150,000 |
| Interest-bearing deposits | 500,066,000 | 524,819,000 | 541,549,000 | 555,063,000 |
| Noninterest-bearing deposits | 37,850,000 | 40,598,000 | 41,001,000 | 47,087,000 |
| Equity capital | 81,870,000 | 83,255,000 | 84,999,000 | 88,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 10,328,000 | 20,729,000 | 31,223,000 | 41,972,000 |
| Interest expense | 4,140,000 | 8,237,000 | 12,358,000 | 16,295,000 |
| Net interest income | 6,188,000 | 12,492,000 | 18,865,000 | 25,677,000 |
| Noninterest income | 755,000 | 1,695,000 | 2,583,000 | 3,598,000 |
| Noninterest expense | 4,079,000 | 8,444,000 | 12,907,000 | 17,743,000 |
| Provision for loan losses | 23,000 | 123,000 | 116,000 | 232,000 |
| Pretax income | 2,891,000 | 5,660,000 | 8,429,000 | 11,139,000 |
| Income tax | 1,104,000 | 2,156,000 | 3,207,000 | 4,236,000 |
| Net income | 1,787,000 | 3,504,000 | 5,222,000 | 6,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,288,000 | 80,420,000 | 78,988,000 | 82,474,000 |
| Total capital | 82,268,000 | 82,567,000 | 81,124,000 | 84,724,000 |
| Risk-weighted assets | 515,181,000 | 545,367,000 | 555,297,000 | 593,452,000 |