Call reports 2007
EAST BOSTON SAVINGS BANK — 2007
What EAST BOSTON SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 891,929,000 | 895,100,000 | 924,310,000 | 988,365,000 |
| Total loans | 540,822,000 | 551,486,000 | 553,929,000 | 571,624,000 |
| Allowance for loan losses | 3,417,000 | 3,472,000 | 3,580,000 | 3,600,000 |
| Securities available for sale | 274,335,000 | 269,440,000 | 267,226,000 | 266,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 746,897,000 | 749,656,000 | 769,366,000 | 841,197,000 |
| Interest-bearing deposits | 689,018,000 | 688,859,000 | 709,519,000 | 723,049,000 |
| Noninterest-bearing deposits | 57,879,000 | 60,797,000 | 59,847,000 | 118,148,000 |
| Equity capital | 98,128,000 | 99,291,000 | 100,139,000 | 102,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,994,000 | 24,130,000 | 36,618,000 | 49,063,000 |
| Interest expense | 6,593,000 | 13,391,000 | 20,594,000 | 28,096,000 |
| Net interest income | 5,401,000 | 10,739,000 | 16,024,000 | 20,967,000 |
| Noninterest income | 857,000 | 2,179,000 | 3,141,000 | 4,076,000 |
| Noninterest expense | 5,511,000 | 10,755,000 | 16,446,000 | 21,374,000 |
| Provision for loan losses | 72,000 | 143,000 | 260,000 | 465,000 |
| Pretax income | 2,707,000 | 4,052,000 | 3,631,000 | 3,503,000 |
| Income tax | 832,000 | 1,410,000 | 1,349,000 | 563,000 |
| Net income | 1,875,000 | 2,642,000 | 2,282,000 | 2,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,709,000 | 95,480,000 | 94,537,000 | 95,790,000 |
| Total capital | 101,576,000 | 103,123,000 | 102,902,000 | 104,145,000 |
| Risk-weighted assets | 749,942,000 | 747,806,000 | 759,092,000 | 801,928,000 |