Call reports 2015
EAST BOSTON SAVINGS BANK — 2015
What EAST BOSTON 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 | 3,196,273,000 | 3,152,031,000 | 3,231,342,000 | 3,383,340,000 |
| Total loans | 2,685,711,000 | 2,750,261,000 | 2,927,011,000 | 3,083,515,000 |
| Allowance for loan losses | 28,601,000 | 30,109,000 | 32,585,000 | 33,405,000 |
| Securities available for sale | 154,707,000 | 140,084,000 | 120,930,000 | 111,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,597,904,000 | 2,554,890,000 | 2,630,960,000 | 2,746,712,000 |
| Interest-bearing deposits | 2,287,076,000 | 2,198,657,000 | 2,278,345,000 | 2,372,577,000 |
| Noninterest-bearing deposits | 310,828,000 | 356,233,000 | 352,615,000 | 374,135,000 |
| Equity capital | 407,965,000 | 412,724,000 | 415,329,000 | 424,535,000 |
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 | 29,643,000 | 59,579,000 | 91,188,000 | 124,053,000 |
| Interest expense | 5,367,000 | 10,387,000 | 15,692,000 | 21,173,000 |
| Net interest income | 24,276,000 | 49,192,000 | 75,496,000 | 102,880,000 |
| Noninterest income | 2,219,000 | 4,838,000 | 7,324,000 | 9,781,000 |
| Noninterest expense | 17,954,000 | 35,352,000 | 53,336,000 | 72,439,000 |
| Provision for loan losses | 60,000 | 3,711,000 | 6,123,000 | 6,667,000 |
| Pretax income | 9,501,000 | 17,411,000 | 25,850,000 | 35,987,000 |
| Income tax | 3,164,000 | 5,641,000 | 8,379,000 | 11,726,000 |
| Net income | 6,337,000 | 11,770,000 | 17,471,000 | 24,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 392,583,000 | 398,686,000 | 401,686,000 | 409,573,000 |
| Total capital | 422,203,000 | 429,030,000 | 434,271,000 | 442,978,000 |
| Risk-weighted assets | 3,075,448,000 | 3,061,451,000 | 3,292,957,000 | 3,495,054,000 |