Call reports 2013
NORTH EASTON SAVINGS BANK — 2013
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 486,743,000 | 489,395,000 | 482,154,000 | 480,222,000 |
| Total loans | 301,728,000 | 307,493,000 | 302,504,000 | 302,354,000 |
| Allowance for loan losses | 1,839,000 | 1,810,000 | 1,758,000 | 1,509,000 |
| Securities available for sale | 113,354,000 | 115,866,000 | 118,791,000 | 117,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,560,000 | 445,161,000 | 437,836,000 | 436,495,000 |
| Interest-bearing deposits | 368,951,000 | 370,824,000 | 365,812,000 | 363,969,000 |
| Noninterest-bearing deposits | 71,609,000 | 74,337,000 | 72,024,000 | 72,526,000 |
| Equity capital | 41,261,000 | 38,836,000 | 38,874,000 | 38,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,550,000 | 7,090,000 | 10,615,000 | 14,129,000 |
| Interest expense | 593,000 | 1,153,000 | 1,704,000 | 2,235,000 |
| Net interest income | 2,957,000 | 5,937,000 | 8,911,000 | 11,894,000 |
| Noninterest income | 783,000 | 1,548,000 | 2,351,000 | 3,163,000 |
| Noninterest expense | 3,345,000 | 6,667,000 | 9,930,000 | 13,408,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 396,000 | 968,000 | 1,562,000 | 1,835,000 |
| Income tax | 106,000 | 271,000 | 452,000 | 455,000 |
| Net income | 290,000 | 697,000 | 1,110,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,554,000 | 41,835,000 | 42,309,000 | 42,653,000 |
| Total capital | 43,394,000 | 43,645,000 | 44,067,000 | 44,216,000 |
| Risk-weighted assets | 255,029,000 | 261,629,000 | 261,602,000 | 261,667,000 |