Call reports 2015
NORTH EASTON SAVINGS BANK — 2015
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 498,644,000 | 502,831,000 | 507,274,000 | 511,309,000 |
| Total loans | 318,504,000 | 325,849,000 | 327,901,000 | 340,977,000 |
| Allowance for loan losses | 1,386,000 | 1,408,000 | 1,422,000 | 1,480,000 |
| Securities available for sale | 115,373,000 | 113,375,000 | 116,684,000 | 110,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,161,000 | 454,607,000 | 458,324,000 | 462,628,000 |
| Interest-bearing deposits | 365,256,000 | 365,195,000 | 366,857,000 | 368,612,000 |
| Noninterest-bearing deposits | 84,905,000 | 89,412,000 | 91,467,000 | 94,016,000 |
| Equity capital | 42,547,000 | 42,176,000 | 43,170,000 | 42,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,349,000 | 6,804,000 | 10,369,000 | 13,982,000 |
| Interest expense | 422,000 | 831,000 | 1,231,000 | 1,608,000 |
| Net interest income | 2,927,000 | 5,973,000 | 9,138,000 | 12,374,000 |
| Noninterest income | 676,000 | 1,393,000 | 2,131,000 | 2,848,000 |
| Noninterest expense | 3,413,000 | 6,773,000 | 10,035,000 | 13,658,000 |
| Provision for loan losses | 0 | 25,000 | 50,000 | 115,000 |
| Pretax income | 216,000 | 597,000 | 1,209,000 | 1,193,000 |
| Income tax | 57,000 | 159,000 | 333,000 | 299,000 |
| Net income | 159,000 | 438,000 | 876,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,884,000 | 44,120,000 | 44,347,000 | 44,565,000 |
| Total capital | 45,270,000 | 45,528,000 | 45,769,000 | 46,045,000 |
| Risk-weighted assets | 276,684,000 | 282,392,000 | 282,011,000 | 292,014,000 |