Call reports 2012
EAST BOSTON SAVINGS BANK — 2012
What EAST BOSTON SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,004,789,000 | 2,069,088,000 | 2,193,030,000 | 2,253,278,000 |
| Total loans | 1,427,750,000 | 1,566,645,000 | 1,667,509,000 | 1,821,792,000 |
| Allowance for loan losses | 14,097,000 | 16,271,000 | 18,621,000 | 20,504,000 |
| Securities available for sale | 311,215,000 | 268,753,000 | 248,045,000 | 238,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,650,137,000 | 1,705,960,000 | 1,801,582,000 | 1,870,070,000 |
| Interest-bearing deposits | 1,482,947,000 | 1,527,554,000 | 1,604,688,000 | 1,660,779,000 |
| Noninterest-bearing deposits | 167,190,000 | 178,406,000 | 196,894,000 | 209,291,000 |
| Equity capital | 185,414,000 | 186,964,000 | 195,793,000 | 197,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 21,000,000 | 42,527,000 | 64,026,000 | 86,466,000 |
| Interest expense | 4,905,000 | 9,598,000 | 14,458,000 | 19,421,000 |
| Net interest income | 16,095,000 | 32,929,000 | 49,568,000 | 67,045,000 |
| Noninterest income | 2,605,000 | 4,943,000 | 7,832,000 | 10,406,000 |
| Noninterest expense | 15,558,000 | 30,577,000 | 45,149,000 | 60,769,000 |
| Provision for loan losses | 1,264,000 | 3,434,000 | 5,778,000 | 8,581,000 |
| Pretax income | 2,961,000 | 6,203,000 | 10,071,000 | 13,305,000 |
| Income tax | 955,000 | 1,914,000 | 3,045,000 | 4,148,000 |
| Net income | 2,006,000 | 4,289,000 | 7,026,000 | 9,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,995,000 | 168,199,000 | 176,322,000 | 178,852,000 |
| Total capital | 181,926,000 | 186,541,000 | 197,145,000 | 201,113,000 |
| Risk-weighted assets | 1,615,816,000 | 1,751,861,000 | 1,806,529,000 | 1,965,305,000 |