Call reports 2003
EAST BOSTON SAVINGS BANK — 2003
What EAST BOSTON SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 734,528,000 | 759,240,000 | 757,970,000 | 765,760,000 |
| Total loans | 386,379,000 | 395,829,000 | 392,197,000 | 403,232,000 |
| Allowance for loan losses | 2,227,000 | 2,348,000 | 2,361,000 | 2,620,000 |
| Securities available for sale | 279,669,000 | 300,133,000 | 301,208,000 | 301,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 625,173,000 | 637,552,000 | 640,967,000 | 632,214,000 |
| Interest-bearing deposits | 578,496,000 | 587,128,000 | 591,450,000 | 587,853,000 |
| Noninterest-bearing deposits | 46,677,000 | 50,424,000 | 49,517,000 | 44,361,000 |
| Equity capital | 90,003,000 | 95,584,000 | 96,434,000 | 97,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,568,000 | 20,850,000 | 31,178,000 | 41,142,000 |
| Interest expense | 3,680,000 | 7,070,000 | 10,064,000 | 13,027,000 |
| Net interest income | 6,888,000 | 13,780,000 | 21,114,000 | 28,115,000 |
| Noninterest income | 1,302,000 | 2,701,000 | 2,818,000 | 3,645,000 |
| Noninterest expense | 4,944,000 | 9,897,000 | 13,902,000 | 19,275,000 |
| Provision for loan losses | -27,000 | 98,000 | 110,000 | 375,000 |
| Pretax income | 3,266,000 | 6,663,000 | 10,074,000 | 12,087,000 |
| Income tax | 1,240,000 | 2,529,000 | 3,829,000 | 4,296,000 |
| Net income | 2,026,000 | 4,134,000 | 6,245,000 | 7,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,271,000 | 87,957,000 | 90,223,000 | 90,910,000 |
| Total capital | 85,498,000 | 90,305,000 | 92,584,000 | 94,899,000 |
| Risk-weighted assets | 609,391,000 | 637,602,000 | 640,152,000 | 648,267,000 |