Call reports 2002
NORTH EASTON SAVINGS BANK — 2002
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 330,924,000 | 339,693,000 | 346,849,000 | 354,567,000 |
| Total loans | 201,169,000 | 204,770,000 | 205,908,000 | 203,549,000 |
| Allowance for loan losses | 1,011,000 | 996,000 | 1,031,000 | 1,005,000 |
| Securities available for sale | 98,594,000 | 103,414,000 | 105,469,000 | 116,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,175,000 | 310,286,000 | 315,752,000 | 323,139,000 |
| Interest-bearing deposits | 275,332,000 | 282,080,000 | 288,566,000 | 295,719,000 |
| Noninterest-bearing deposits | 25,843,000 | 28,206,000 | 27,186,000 | 27,420,000 |
| Equity capital | 26,209,000 | 27,477,000 | 28,558,000 | 29,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,786,000 | 9,512,000 | 14,267,000 | 18,894,000 |
| Interest expense | 1,937,000 | 3,755,000 | 5,535,000 | 7,287,000 |
| Net interest income | 2,849,000 | 5,757,000 | 8,732,000 | 11,607,000 |
| Noninterest income | 270,000 | 522,000 | 792,000 | 1,070,000 |
| Noninterest expense | 1,782,000 | 3,656,000 | 5,505,000 | 7,797,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 45,000 |
| Pretax income | 1,157,000 | 2,304,000 | 3,190,000 | 3,958,000 |
| Income tax | 453,000 | 868,000 | 1,209,000 | 1,464,000 |
| Net income | 704,000 | 1,436,000 | 1,981,000 | 2,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,962,000 | 26,630,000 | 27,096,000 | 27,833,000 |
| Total capital | 26,973,000 | 27,626,000 | 28,127,000 | 28,838,000 |
| Risk-weighted assets | 186,687,000 | 189,639,000 | 189,118,000 | 201,494,000 |