Call reports 2008
EAST BOSTON SAVINGS BANK — 2008
What EAST BOSTON SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 991,923,000 | 1,012,498,000 | 1,032,066,000 | 1,024,982,000 |
| Total loans | 583,228,000 | 622,309,000 | 667,727,000 | 711,498,000 |
| Allowance for loan losses | 3,725,000 | 5,917,000 | 5,659,000 | 6,841,000 |
| Securities available for sale | 250,026,000 | 319,868,000 | 272,594,000 | 236,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 802,802,000 | 795,114,000 | 822,090,000 | 812,409,000 |
| Interest-bearing deposits | 793,520,000 | 786,930,000 | 788,601,000 | 778,047,000 |
| Noninterest-bearing deposits | 9,282,000 | 8,184,000 | 33,489,000 | 34,362,000 |
| Equity capital | 140,242,000 | 135,667,000 | 131,941,000 | 129,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,917,000 | 25,567,000 | 38,731,000 | 52,086,000 |
| Interest expense | 7,370,000 | 14,513,000 | 21,213,000 | 27,484,000 |
| Net interest income | 5,547,000 | 11,054,000 | 17,518,000 | 24,602,000 |
| Noninterest income | 1,052,000 | 2,105,000 | 3,159,000 | 4,192,000 |
| Noninterest expense | 6,042,000 | 14,076,000 | 20,539,000 | 27,543,000 |
| Provision for loan losses | 131,000 | 2,328,000 | 2,731,000 | 5,638,000 |
| Pretax income | 2,692,000 | -932,000 | 2,499,000 | 46,000 |
| Income tax | 954,000 | -504,000 | 728,000 | -230,000 |
| Net income | 1,738,000 | -428,000 | 1,771,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,406,000 | 133,996,000 | 136,300,000 | 131,656,000 |
| Total capital | 142,396,000 | 141,882,000 | 142,452,000 | 138,497,000 |
| Risk-weighted assets | 802,778,000 | 868,929,000 | 901,903,000 | 908,140,000 |