Call reports 2016
EASTERN SAVINGS BANK FEDERAL SAVINGS BANK — 2016
What EASTERN SAVINGS BANK FEDERAL 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 | 349,318,000 | 349,953,000 | 346,337,000 | 345,373,000 |
| Total loans | 216,586,000 | 219,415,000 | 223,308,000 | 223,585,000 |
| Allowance for loan losses | 2,645,000 | 2,327,000 | 2,207,000 | 1,924,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,790,000 | 1,793,000 | 1,796,000 | 1,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,800,000 | 253,883,000 | 249,362,000 | 247,790,000 |
| Interest-bearing deposits | 248,277,000 | 245,864,000 | 241,318,000 | 239,915,000 |
| Noninterest-bearing deposits | 6,523,000 | 8,019,000 | 8,044,000 | 7,875,000 |
| Equity capital | 60,750,000 | 62,433,000 | 63,711,000 | 64,095,000 |
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 | 5,835,000 | 11,319,000 | 17,452,000 | 23,068,000 |
| Interest expense | 642,000 | 1,260,000 | 1,868,000 | 2,449,000 |
| Net interest income | 5,193,000 | 10,059,000 | 15,584,000 | 20,619,000 |
| Noninterest income | 512,000 | 1,015,000 | 1,346,000 | 1,402,000 |
| Noninterest expense | 4,845,000 | 9,482,000 | 14,095,000 | 18,812,000 |
| Provision for loan losses | 125,000 | 25,000 | 0 | 0 |
| Pretax income | 735,000 | 1,567,000 | 2,835,000 | 3,209,000 |
| Income tax | 42,000 | -808,000 | -808,000 | -808,000 |
| Net income | 693,000 | 2,375,000 | 3,643,000 | 4,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,750,000 | 62,433,000 | 63,711,000 | 64,095,000 |
| Total capital | 62,649,000 | 64,035,000 | 65,253,000 | 65,492,000 |
| Risk-weighted assets | 201,079,000 | 192,404,000 | 191,902,000 | 188,125,000 |