Call reports 2012
NORTH EASTON SAVINGS BANK — 2012
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 470,336,000 | 474,723,000 | 473,913,000 | 480,024,000 |
| Total loans | 281,800,000 | 278,320,000 | 282,334,000 | 299,833,000 |
| Allowance for loan losses | 1,835,000 | 1,788,000 | 1,734,000 | 2,038,000 |
| Securities available for sale | 97,938,000 | 118,576,000 | 114,282,000 | 105,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,088,000 | 428,784,000 | 427,454,000 | 434,320,000 |
| Interest-bearing deposits | 360,948,000 | 363,586,000 | 364,402,000 | 365,944,000 |
| Noninterest-bearing deposits | 64,140,000 | 65,198,000 | 63,052,000 | 68,376,000 |
| Equity capital | 40,752,000 | 40,767,000 | 41,095,000 | 41,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,669,000 | 7,313,000 | 10,868,000 | 14,462,000 |
| Interest expense | 807,000 | 1,578,000 | 2,334,000 | 3,011,000 |
| Net interest income | 2,862,000 | 5,735,000 | 8,534,000 | 11,451,000 |
| Noninterest income | 666,000 | 1,356,000 | 2,000,000 | 2,799,000 |
| Noninterest expense | 3,262,000 | 6,480,000 | 9,616,000 | 13,054,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 330,000 |
| Pretax income | 427,000 | 778,000 | 1,179,000 | 1,159,000 |
| Income tax | 120,000 | 214,000 | 327,000 | 188,000 |
| Net income | 307,000 | 564,000 | 852,000 | 971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,607,000 | 40,865,000 | 41,153,000 | 41,259,000 |
| Total capital | 42,499,000 | 42,680,000 | 42,899,000 | 43,297,000 |
| Risk-weighted assets | 243,974,000 | 246,983,000 | 249,590,000 | 256,130,000 |