Call reports 2004
NORTH EASTON SAVINGS BANK — 2004
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 395,369,000 | 393,874,000 | 396,081,000 | 396,364,000 |
| Total loans | 217,664,000 | 223,074,000 | 233,130,000 | 241,935,000 |
| Allowance for loan losses | 1,004,000 | 1,007,000 | 1,012,000 | 1,005,000 |
| Securities available for sale | 141,752,000 | 141,061,000 | 135,779,000 | 134,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,629,000 | 360,880,000 | 361,638,000 | 361,233,000 |
| Interest-bearing deposits | 324,647,000 | 323,909,000 | 321,253,000 | 324,585,000 |
| Noninterest-bearing deposits | 33,982,000 | 36,971,000 | 40,385,000 | 36,648,000 |
| Equity capital | 32,994,000 | 31,371,000 | 32,686,000 | 33,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,272,000 | 8,467,000 | 12,621,000 | 16,944,000 |
| Interest expense | 1,195,000 | 2,377,000 | 3,593,000 | 4,850,000 |
| Net interest income | 3,077,000 | 6,090,000 | 9,028,000 | 12,094,000 |
| Noninterest income | 323,000 | 595,000 | 848,000 | 1,144,000 |
| Noninterest expense | 2,345,000 | 4,743,000 | 7,059,000 | 9,855,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 45,000 |
| Pretax income | 1,541,000 | 2,495,000 | 3,483,000 | 4,024,000 |
| Income tax | 543,000 | 872,000 | 1,216,000 | 1,384,000 |
| Net income | 998,000 | 1,623,000 | 2,267,000 | 2,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,820,000 | 32,439,000 | 33,074,000 | 33,626,000 |
| Total capital | 32,824,000 | 33,446,000 | 34,086,000 | 34,658,000 |
| Risk-weighted assets | 226,157,000 | 225,644,000 | 228,095,000 | 230,926,000 |