Call reports 2005
EAST BOSTON SAVINGS BANK — 2005
What EAST BOSTON SAVINGS BANK 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 | 781,077,000 | 800,323,000 | 807,766,000 | 823,445,000 |
| Total loans | 444,578,000 | 458,788,000 | 482,853,000 | 483,777,000 |
| Allowance for loan losses | 2,661,000 | 2,785,000 | 2,973,000 | 2,937,000 |
| Securities available for sale | 271,723,000 | 275,066,000 | 256,014,000 | 263,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,923,000 | 653,784,000 | 657,703,000 | 675,950,000 |
| Interest-bearing deposits | 596,963,000 | 598,742,000 | 600,426,000 | 616,074,000 |
| Noninterest-bearing deposits | 51,960,000 | 55,042,000 | 57,277,000 | 59,876,000 |
| Equity capital | 100,239,000 | 102,124,000 | 102,334,000 | 103,752,000 |
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 | 9,662,000 | 19,654,000 | 29,974,000 | 40,692,000 |
| Interest expense | 3,146,000 | 6,532,000 | 10,367,000 | 14,523,000 |
| Net interest income | 6,516,000 | 13,122,000 | 19,607,000 | 26,169,000 |
| Noninterest income | 837,000 | 1,594,000 | 2,296,000 | 3,011,000 |
| Noninterest expense | 5,111,000 | 10,400,000 | 15,728,000 | 20,635,000 |
| Provision for loan losses | 176,000 | 300,000 | 489,000 | 456,000 |
| Pretax income | 2,698,000 | 4,647,000 | 5,869,000 | 8,206,000 |
| Income tax | 1,009,000 | 1,809,000 | 2,228,000 | 2,794,000 |
| Net income | 1,689,000 | 2,838,000 | 3,641,000 | 5,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,389,000 | 100,406,000 | 101,218,000 | 103,085,000 |
| Total capital | 103,811,000 | 105,005,000 | 106,322,000 | 108,169,000 |
| Risk-weighted assets | 678,757,000 | 695,011,000 | 698,697,000 | 701,415,000 |