Call reports 2016
NORTH EASTON SAVINGS BANK — 2016
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 519,587,000 | 523,441,000 | 524,628,000 | 526,045,000 |
| Total loans | 344,437,000 | 356,674,000 | 360,127,000 | 380,996,000 |
| Allowance for loan losses | 1,425,000 | 1,424,000 | 1,457,000 | 1,597,000 |
| Securities available for sale | 98,863,000 | 95,311,000 | 92,787,000 | 91,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,967,000 | 472,549,000 | 474,031,000 | 476,311,000 |
| Interest-bearing deposits | 370,718,000 | 371,097,000 | 369,993,000 | 372,806,000 |
| Noninterest-bearing deposits | 98,249,000 | 101,452,000 | 104,038,000 | 103,505,000 |
| Equity capital | 43,602,000 | 44,222,000 | 44,524,000 | 43,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,648,000 | 7,272,000 | 10,925,000 | 14,659,000 |
| Interest expense | 354,000 | 703,000 | 1,048,000 | 1,386,000 |
| Net interest income | 3,294,000 | 6,569,000 | 9,877,000 | 13,273,000 |
| Noninterest income | 729,000 | 1,470,000 | 2,222,000 | 2,985,000 |
| Noninterest expense | 3,416,000 | 6,921,000 | 10,335,000 | 14,031,000 |
| Provision for loan losses | 0 | 0 | 70,000 | 225,000 |
| Pretax income | 610,000 | 1,131,000 | 1,835,000 | 2,145,000 |
| Income tax | 196,000 | 355,000 | 584,000 | 471,000 |
| Net income | 414,000 | 776,000 | 1,251,000 | 1,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,110,000 | 45,492,000 | 45,968,000 | 46,390,000 |
| Total capital | 46,535,000 | 46,943,000 | 47,437,000 | 48,024,000 |
| Risk-weighted assets | 287,942,000 | 301,858,000 | 305,178,000 | 324,563,000 |