Call reports 2006
NORTH EASTON SAVINGS BANK — 2006
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 417,287,000 | 404,866,000 | 410,294,000 | 413,804,000 |
| Total loans | 276,501,000 | 272,832,000 | 270,961,000 | 263,146,000 |
| Allowance for loan losses | 1,149,000 | 1,172,000 | 1,178,000 | 1,185,000 |
| Securities available for sale | 107,096,000 | 101,934,000 | 99,337,000 | 110,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,519,000 | 368,137,000 | 370,221,000 | 376,278,000 |
| Interest-bearing deposits | 334,699,000 | 329,792,000 | 331,454,000 | 338,283,000 |
| Noninterest-bearing deposits | 39,820,000 | 38,345,000 | 38,767,000 | 37,995,000 |
| Equity capital | 33,678,000 | 33,822,000 | 35,085,000 | 35,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,795,000 | 9,529,000 | 14,299,000 | 19,153,000 |
| Interest expense | 2,204,000 | 4,428,000 | 6,855,000 | 9,501,000 |
| Net interest income | 2,591,000 | 5,101,000 | 7,444,000 | 9,652,000 |
| Noninterest income | 453,000 | 944,000 | 1,436,000 | 1,974,000 |
| Noninterest expense | 2,474,000 | 5,128,000 | 7,455,000 | 10,116,000 |
| Provision for loan losses | 20,000 | 40,000 | 50,000 | 60,000 |
| Pretax income | 597,000 | 995,000 | 1,710,000 | 1,828,000 |
| Income tax | 155,000 | 246,000 | 490,000 | 532,000 |
| Net income | 442,000 | 749,000 | 1,220,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,745,000 | 36,039,000 | 36,516,000 | 36,668,000 |
| Total capital | 36,894,000 | 37,211,000 | 37,694,000 | 37,853,000 |
| Risk-weighted assets | 247,087,000 | 243,221,000 | 239,656,000 | 237,768,000 |