Call reports 2009
NORTH EASTON SAVINGS BANK — 2009
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 424,003,000 | 429,381,000 | 430,591,000 | 432,840,000 |
| Total loans | 282,009,000 | 280,913,000 | 292,861,000 | 306,336,000 |
| Allowance for loan losses | 1,256,000 | 1,324,000 | 1,398,000 | 1,451,000 |
| Securities available for sale | 83,206,000 | 85,461,000 | 83,182,000 | 80,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,473,000 | 389,277,000 | 389,343,000 | 392,735,000 |
| Interest-bearing deposits | 341,403,000 | 342,086,000 | 343,900,000 | 345,528,000 |
| Noninterest-bearing deposits | 43,070,000 | 47,191,000 | 45,443,000 | 47,207,000 |
| Equity capital | 35,997,000 | 36,265,000 | 36,934,000 | 36,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,605,000 | 8,977,000 | 13,381,000 | 17,698,000 |
| Interest expense | 1,914,000 | 3,616,000 | 5,202,000 | 6,698,000 |
| Net interest income | 2,691,000 | 5,361,000 | 8,179,000 | 11,000,000 |
| Noninterest income | 914,000 | 1,522,000 | 2,048,000 | 2,618,000 |
| Noninterest expense | 3,049,000 | 6,278,000 | 9,273,000 | 12,510,000 |
| Provision for loan losses | 50,000 | 97,000 | 222,000 | 312,000 |
| Pretax income | 506,000 | 527,000 | 879,000 | 960,000 |
| Income tax | 145,000 | 150,000 | 261,000 | 315,000 |
| Net income | 361,000 | 377,000 | 618,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,054,000 | 36,307,000 | 36,723,000 | 36,827,000 |
| Total capital | 37,310,000 | 37,631,000 | 38,121,000 | 38,278,000 |
| Risk-weighted assets | 250,569,000 | 249,125,000 | 249,156,000 | 254,598,000 |