Call reports 2007
NORTH EASTON SAVINGS BANK — 2007
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 416,279,000 | 415,134,000 | 405,202,000 | 409,215,000 |
| Total loans | 263,112,000 | 263,761,000 | 259,777,000 | 260,334,000 |
| Allowance for loan losses | 1,184,000 | 1,191,000 | 1,197,000 | 1,224,000 |
| Securities available for sale | 115,365,000 | 112,708,000 | 108,823,000 | 102,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,695,000 | 376,485,000 | 366,084,000 | 368,195,000 |
| Interest-bearing deposits | 341,522,000 | 335,499,000 | 328,065,000 | 326,407,000 |
| Noninterest-bearing deposits | 36,173,000 | 40,986,000 | 38,019,000 | 41,788,000 |
| Equity capital | 35,672,000 | 35,911,000 | 36,812,000 | 37,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,976,000 | 9,976,000 | 14,957,000 | 19,890,000 |
| Interest expense | 2,716,000 | 5,436,000 | 8,138,000 | 10,834,000 |
| Net interest income | 2,260,000 | 4,540,000 | 6,819,000 | 9,056,000 |
| Noninterest income | 519,000 | 1,070,000 | 1,652,000 | 2,267,000 |
| Noninterest expense | 2,639,000 | 5,210,000 | 7,743,000 | 10,320,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 50,000 |
| Pretax income | 150,000 | 734,000 | 1,225,000 | 1,273,000 |
| Income tax | 17,000 | 222,000 | 366,000 | 367,000 |
| Net income | 133,000 | 512,000 | 859,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,809,000 | 37,122,000 | 37,182,000 | 36,842,000 |
| Total capital | 37,993,000 | 38,313,000 | 38,379,000 | 38,066,000 |
| Risk-weighted assets | 239,144,000 | 238,576,000 | 234,331,000 | 236,168,000 |