Call reports 2014
NORTH EASTON SAVINGS BANK — 2014
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 486,612,000 | 488,748,000 | 489,410,000 | 486,214,000 |
| Total loans | 299,893,000 | 304,406,000 | 305,057,000 | 308,509,000 |
| Allowance for loan losses | 1,518,000 | 1,478,000 | 1,466,000 | 1,387,000 |
| Securities available for sale | 117,901,000 | 120,796,000 | 120,985,000 | 121,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,193,000 | 443,043,000 | 443,797,000 | 439,719,000 |
| Interest-bearing deposits | 366,303,000 | 361,772,000 | 364,668,000 | 361,155,000 |
| Noninterest-bearing deposits | 75,890,000 | 81,271,000 | 79,129,000 | 78,564,000 |
| Equity capital | 40,725,000 | 42,084,000 | 42,162,000 | 42,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,457,000 | 6,863,000 | 10,271,000 | 13,753,000 |
| Interest expense | 490,000 | 964,000 | 1,432,000 | 1,878,000 |
| Net interest income | 2,967,000 | 5,899,000 | 8,839,000 | 11,875,000 |
| Noninterest income | 742,000 | 1,526,000 | 2,279,000 | 3,024,000 |
| Noninterest expense | 3,322,000 | 6,659,000 | 9,948,000 | 13,549,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 497,000 | 944,000 | 1,425,000 | 1,605,000 |
| Income tax | 144,000 | 269,000 | 405,000 | 436,000 |
| Net income | 353,000 | 675,000 | 1,020,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,005,000 | 43,327,000 | 43,639,000 | 43,763,000 |
| Total capital | 44,546,000 | 44,867,000 | 45,105,000 | 45,150,000 |
| Risk-weighted assets | 257,408,000 | 261,305,000 | 263,227,000 | 264,078,000 |