Call reports 2023
NORTH EASTON SAVINGS BANK — 2023
What NORTH EASTON SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,525,430,000 | 1,535,995,000 | 1,584,684,000 | 1,566,165,000 |
| Total loans | 1,068,275,000 | 1,103,191,000 | 1,173,076,000 | 1,182,909,000 |
| Allowance for loan losses | 4,756,000 | 5,019,000 | 5,146,000 | 5,169,000 |
| Securities available for sale | 153,703,000 | 148,262,000 | 143,414,000 | 143,874,000 |
| Securities held to maturity | 102,662,000 | 102,608,000 | 102,486,000 | 102,457,000 |
| Trading assets | 7,408,000 | 3,548,000 | 4,822,000 | 3,052,000 |
| Total deposits | 1,338,414,000 | 1,351,714,000 | 1,395,865,000 | 1,356,257,000 |
| Interest-bearing deposits | 1,073,440,000 | 1,101,520,000 | 1,151,543,000 | 1,121,282,000 |
| Noninterest-bearing deposits | 264,974,000 | 250,194,000 | 244,322,000 | 234,975,000 |
| Equity capital | 133,459,000 | 135,135,000 | 137,407,000 | 139,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 13,566,000 | 28,538,000 | 44,809,000 | 61,734,000 |
| Interest expense | 3,370,000 | 8,634,000 | 14,729,000 | 21,514,000 |
| Net interest income | 10,196,000 | 19,904,000 | 30,080,000 | 40,220,000 |
| Noninterest income | 1,679,000 | 3,609,000 | 5,764,000 | 7,748,000 |
| Noninterest expense | 9,742,000 | 19,102,000 | 28,530,000 | 38,505,000 |
| Provision for loan losses | 400,000 | 657,000 | 781,000 | 801,000 |
| Pretax income | 1,807,000 | 3,829,000 | 6,673,000 | 8,963,000 |
| Income tax | 283,000 | 602,000 | 1,198,000 | 1,683,000 |
| Net income | 1,524,000 | 3,227,000 | 5,475,000 | 7,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,806,000 | 130,755,000 | 133,236,000 | 135,275,000 |
| Total capital | 133,817,000 | 136,063,000 | 138,627,000 | 140,589,000 |
| Risk-weighted assets | 936,350,000 | 969,004,000 | 1,028,807,000 | 1,036,204,000 |