Call reports 2011
NORTH EASTON SAVINGS BANK — 2011
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 460,500,000 | 460,115,000 | 460,933,000 | 466,194,000 |
| Total loans | 300,446,000 | 300,249,000 | 295,712,000 | 288,643,000 |
| Allowance for loan losses | 1,573,000 | 1,791,000 | 1,843,000 | 1,882,000 |
| Securities available for sale | 99,972,000 | 93,569,000 | 87,343,000 | 102,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,422,000 | 416,664,000 | 416,868,000 | 420,966,000 |
| Interest-bearing deposits | 362,216,000 | 359,334,000 | 357,684,000 | 362,164,000 |
| Noninterest-bearing deposits | 57,206,000 | 57,330,000 | 59,184,000 | 58,802,000 |
| Equity capital | 37,945,000 | 39,343,000 | 40,100,000 | 40,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,131,000 | 8,239,000 | 12,194,000 | 15,971,000 |
| Interest expense | 998,000 | 1,971,000 | 2,918,000 | 3,795,000 |
| Net interest income | 3,133,000 | 6,268,000 | 9,276,000 | 12,176,000 |
| Noninterest income | 648,000 | 2,145,000 | 2,778,000 | 3,460,000 |
| Noninterest expense | 3,331,000 | 6,898,000 | 9,978,000 | 13,126,000 |
| Provision for loan losses | 75,000 | 335,000 | 385,000 | 430,000 |
| Pretax income | 428,000 | 1,235,000 | 1,773,000 | 2,168,000 |
| Income tax | 123,000 | 85,000 | 239,000 | 221,000 |
| Net income | 305,000 | 1,150,000 | 1,534,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,659,000 | 39,504,000 | 39,821,000 | 40,301,000 |
| Total capital | 40,308,000 | 41,363,000 | 41,664,000 | 42,286,000 |
| Risk-weighted assets | 250,916,000 | 253,361,000 | 251,459,000 | 244,879,000 |