Call reports 2015
EASTERN SAVINGS BANK FEDERAL SAVINGS BANK — 2015
What EASTERN SAVINGS BANK FEDERAL 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 | 392,821,000 | 379,010,000 | 369,054,000 | 359,085,000 |
| Total loans | 213,968,000 | 208,485,000 | 207,115,000 | 215,423,000 |
| Allowance for loan losses | 3,298,000 | 3,127,000 | 2,937,000 | 2,642,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,800,000 | 1,797,000 | 1,798,000 | 1,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,478,000 | 288,720,000 | 277,076,000 | 264,836,000 |
| Interest-bearing deposits | 295,979,000 | 282,206,000 | 271,802,000 | 258,463,000 |
| Noninterest-bearing deposits | 6,499,000 | 6,514,000 | 5,274,000 | 6,373,000 |
| Equity capital | 55,566,000 | 56,269,000 | 58,054,000 | 60,054,000 |
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 | 5,184,000 | 10,994,000 | 17,260,000 | 23,142,000 |
| Interest expense | 898,000 | 1,739,000 | 2,518,000 | 3,226,000 |
| Net interest income | 4,286,000 | 9,255,000 | 14,742,000 | 19,916,000 |
| Noninterest income | 600,000 | 1,323,000 | 2,511,000 | 3,930,000 |
| Noninterest expense | 4,453,000 | 8,956,000 | 13,784,000 | 18,791,000 |
| Provision for loan losses | 50,000 | 475,000 | 475,000 | 0 |
| Pretax income | 383,000 | 1,147,000 | 2,994,000 | 5,055,000 |
| Income tax | 62,000 | 125,000 | 188,000 | 250,000 |
| Net income | 321,000 | 1,022,000 | 2,806,000 | 4,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,566,000 | 56,269,000 | 58,054,000 | 60,054,000 |
| Total capital | 57,575,000 | 58,314,000 | 59,977,000 | 62,035,000 |
| Risk-weighted assets | 218,532,000 | 212,612,000 | 200,822,000 | 201,893,000 |