Call reports 2004
EAST BOSTON SAVINGS BANK — 2004
What EAST BOSTON SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 765,980,000 | 765,124,000 | 782,838,000 | 792,458,000 |
| Total loans | 405,336,000 | 397,695,000 | 412,244,000 | 426,913,000 |
| Allowance for loan losses | 2,586,000 | 2,558,000 | 2,636,000 | 2,485,000 |
| Securities available for sale | 294,740,000 | 300,564,000 | 301,191,000 | 298,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 643,740,000 | 649,315,000 | 649,826,000 | 646,215,000 |
| Interest-bearing deposits | 597,389,000 | 601,864,000 | 600,906,000 | 594,507,000 |
| Noninterest-bearing deposits | 46,351,000 | 47,451,000 | 48,920,000 | 51,708,000 |
| Equity capital | 100,751,000 | 97,382,000 | 99,845,000 | 101,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,701,000 | 19,422,000 | 28,976,000 | 38,754,000 |
| Interest expense | 3,077,000 | 5,957,000 | 8,883,000 | 11,936,000 |
| Net interest income | 6,624,000 | 13,465,000 | 20,093,000 | 26,818,000 |
| Noninterest income | 856,000 | 1,479,000 | 2,279,000 | 3,123,000 |
| Noninterest expense | 5,011,000 | 9,988,000 | 14,965,000 | 19,924,000 |
| Provision for loan losses | -19,000 | -44,000 | 37,000 | -113,000 |
| Pretax income | 3,968,000 | 6,480,000 | 9,090,000 | 10,665,000 |
| Income tax | 1,528,000 | 2,465,000 | 3,442,000 | 4,012,000 |
| Net income | 2,440,000 | 4,015,000 | 5,648,000 | 6,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,351,000 | 94,924,000 | 96,559,000 | 97,700,000 |
| Total capital | 96,865,000 | 98,706,000 | 99,947,000 | 102,435,000 |
| Risk-weighted assets | 645,832,000 | 655,623,000 | 670,426,000 | 683,959,000 |