Call reports 2003
NORTH EASTON SAVINGS BANK — 2003
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 374,194,000 | 389,055,000 | 390,346,000 | 385,773,000 |
| Total loans | 203,656,000 | 203,636,000 | 203,244,000 | 213,183,000 |
| Allowance for loan losses | 998,000 | 991,000 | 993,000 | 994,000 |
| Securities available for sale | 135,759,000 | 149,429,000 | 161,516,000 | 147,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,610,000 | 354,795,000 | 355,523,000 | 352,662,000 |
| Interest-bearing deposits | 312,810,000 | 323,573,000 | 321,549,000 | 316,811,000 |
| Noninterest-bearing deposits | 28,800,000 | 31,222,000 | 33,974,000 | 35,851,000 |
| Equity capital | 30,095,000 | 31,450,000 | 31,392,000 | 31,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,461,000 | 8,964,000 | 13,424,000 | 17,731,000 |
| Interest expense | 1,652,000 | 3,187,000 | 4,532,000 | 5,770,000 |
| Net interest income | 2,809,000 | 5,777,000 | 8,892,000 | 11,961,000 |
| Noninterest income | 317,000 | 589,000 | 895,000 | 1,194,000 |
| Noninterest expense | 2,058,000 | 4,347,000 | 6,341,000 | 8,898,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 1,015,000 | 2,192,000 | 3,644,000 | 4,405,000 |
| Income tax | 355,000 | 785,000 | 1,310,000 | 1,545,000 |
| Net income | 660,000 | 1,407,000 | 2,334,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,368,000 | 29,260,000 | 30,228,000 | 30,986,000 |
| Total capital | 29,366,000 | 30,251,000 | 31,221,000 | 32,119,000 |
| Risk-weighted assets | 204,664,000 | 218,888,000 | 219,060,000 | 224,300,000 |