Call reports 2010
NORTH EASTON SAVINGS BANK — 2010
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 445,585,000 | 441,679,000 | 447,715,000 | 446,301,000 |
| Total loans | 309,690,000 | 305,006,000 | 301,912,000 | 304,967,000 |
| Allowance for loan losses | 1,572,000 | 1,553,000 | 1,606,000 | 1,526,000 |
| Securities available for sale | 73,443,000 | 72,658,000 | 76,889,000 | 87,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,992,000 | 399,480,000 | 404,681,000 | 405,066,000 |
| Interest-bearing deposits | 356,108,000 | 348,565,000 | 352,303,000 | 351,005,000 |
| Noninterest-bearing deposits | 48,884,000 | 50,915,000 | 52,378,000 | 54,061,000 |
| Equity capital | 37,267,000 | 37,993,000 | 38,697,000 | 38,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,368,000 | 8,678,000 | 12,891,000 | 17,082,000 |
| Interest expense | 1,391,000 | 2,566,000 | 3,656,000 | 4,682,000 |
| Net interest income | 2,977,000 | 6,112,000 | 9,235,000 | 12,400,000 |
| Noninterest income | 512,000 | 1,134,000 | 1,769,000 | 2,556,000 |
| Noninterest expense | 3,107,000 | 6,206,000 | 9,458,000 | 12,913,000 |
| Provision for loan losses | 290,000 | 340,000 | 380,000 | 440,000 |
| Pretax income | 353,000 | 969,000 | 1,479,000 | 1,979,000 |
| Income tax | 110,000 | 290,000 | 439,000 | 586,000 |
| Net income | 243,000 | 679,000 | 1,040,000 | 1,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,120,000 | 37,446,000 | 37,988,000 | 38,354,000 |
| Total capital | 38,692,000 | 38,999,000 | 39,594,000 | 39,930,000 |
| Risk-weighted assets | 254,886,000 | 254,610,000 | 255,355,000 | 250,834,000 |