Call reports 2006
EAST BOSTON SAVINGS BANK — 2006
What EAST BOSTON SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 846,563,000 | 846,368,000 | 877,205,000 | 885,536,000 |
| Total loans | 490,733,000 | 506,095,000 | 531,109,000 | 536,606,000 |
| Allowance for loan losses | 3,007,000 | 3,118,000 | 3,313,000 | 3,354,000 |
| Securities available for sale | 279,426,000 | 267,707,000 | 261,513,000 | 279,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 695,628,000 | 694,181,000 | 729,615,000 | 740,599,000 |
| Interest-bearing deposits | 636,813,000 | 636,470,000 | 675,266,000 | 687,477,000 |
| Noninterest-bearing deposits | 58,815,000 | 57,711,000 | 54,349,000 | 53,122,000 |
| Equity capital | 105,172,000 | 105,492,000 | 97,139,000 | 96,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,887,000 | 22,025,000 | 33,485,000 | 45,665,000 |
| Interest expense | 4,596,000 | 9,590,000 | 15,278,000 | 21,828,000 |
| Net interest income | 6,291,000 | 12,435,000 | 18,207,000 | 23,837,000 |
| Noninterest income | 763,000 | 1,582,000 | 2,404,000 | 3,328,000 |
| Noninterest expense | 5,268,000 | 10,552,000 | 15,738,000 | 21,794,000 |
| Provision for loan losses | 69,000 | 180,000 | 403,000 | 434,000 |
| Pretax income | 2,753,000 | 4,321,000 | 4,859,000 | 4,896,000 |
| Income tax | 944,000 | 1,485,000 | 1,676,000 | 1,258,000 |
| Net income | 1,809,000 | 2,836,000 | 3,183,000 | 3,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,898,000 | 106,554,000 | 94,910,000 | 92,864,000 |
| Total capital | 110,302,000 | 111,819,000 | 101,514,000 | 100,666,000 |
| Risk-weighted assets | 723,129,000 | 719,065,000 | 741,877,000 | 745,929,000 |