Call reports 2005
NORTH EASTON SAVINGS BANK — 2005
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 403,180,000 | 414,151,000 | 416,018,000 | 423,576,000 |
| Total loans | 249,665,000 | 265,861,000 | 274,345,000 | 280,851,000 |
| Allowance for loan losses | 1,026,000 | 1,052,000 | 1,102,000 | 1,137,000 |
| Securities available for sale | 128,048,000 | 122,398,000 | 116,526,000 | 109,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,584,000 | 370,417,000 | 375,324,000 | 371,426,000 |
| Interest-bearing deposits | 327,063,000 | 329,542,000 | 334,502,000 | 329,194,000 |
| Noninterest-bearing deposits | 41,521,000 | 40,875,000 | 40,822,000 | 42,232,000 |
| Equity capital | 32,503,000 | 33,789,000 | 33,578,000 | 33,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,353,000 | 8,810,000 | 13,365,000 | 18,050,000 |
| Interest expense | 1,370,000 | 2,903,000 | 4,661,000 | 6,647,000 |
| Net interest income | 2,983,000 | 5,907,000 | 8,704,000 | 11,403,000 |
| Noninterest income | 293,000 | 580,000 | 860,000 | 1,220,000 |
| Noninterest expense | 2,446,000 | 4,921,000 | 7,207,000 | 10,139,000 |
| Provision for loan losses | 30,000 | 65,000 | 120,000 | 155,000 |
| Pretax income | 1,014,000 | 1,802,000 | 2,683,000 | 2,790,000 |
| Income tax | 347,000 | 609,000 | 912,000 | 1,020,000 |
| Net income | 667,000 | 1,193,000 | 1,771,000 | 1,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,961,000 | 34,606,000 | 35,103,000 | 35,001,000 |
| Total capital | 34,987,000 | 35,658,000 | 36,205,000 | 36,138,000 |
| Risk-weighted assets | 232,671,000 | 238,449,000 | 238,589,000 | 248,398,000 |