Call reports 2008
NORTH EASTON SAVINGS BANK — 2008
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 417,937,000 | 419,646,000 | 413,856,000 | 417,704,000 |
| Total loans | 262,145,000 | 267,889,000 | 279,483,000 | 282,815,000 |
| Allowance for loan losses | 1,227,000 | 1,160,000 | 1,288,000 | 1,275,000 |
| Securities available for sale | 93,621,000 | 94,342,000 | 88,305,000 | 83,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,258,000 | 378,706,000 | 363,498,000 | 358,887,000 |
| Interest-bearing deposits | 335,923,000 | 332,565,000 | 323,272,000 | 317,529,000 |
| Noninterest-bearing deposits | 40,335,000 | 46,141,000 | 40,226,000 | 41,358,000 |
| Equity capital | 37,831,000 | 37,344,000 | 36,554,000 | 36,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,822,000 | 9,580,000 | 14,371,000 | 19,181,000 |
| Interest expense | 2,616,000 | 5,045,000 | 7,292,000 | 9,321,000 |
| Net interest income | 2,206,000 | 4,535,000 | 7,079,000 | 9,860,000 |
| Noninterest income | 577,000 | 1,129,000 | 1,680,000 | 2,228,000 |
| Noninterest expense | 2,550,000 | 5,149,000 | 7,799,000 | 11,060,000 |
| Provision for loan losses | 0 | 0 | 140,000 | 261,000 |
| Pretax income | 234,000 | 537,000 | 810,000 | -1,745,000 |
| Income tax | 49,000 | 238,000 | 324,000 | -463,000 |
| Net income | 185,000 | 299,000 | 486,000 | -1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,829,000 | 36,847,000 | 36,799,000 | 36,067,000 |
| Total capital | 38,056,000 | 38,007,000 | 38,087,000 | 37,342,000 |
| Risk-weighted assets | 244,428,000 | 247,534,000 | 250,325,000 | 249,220,000 |