Call reports 2016
EAST BOSTON SAVINGS BANK — 2016
What EAST BOSTON 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 | 3,605,210,000 | 3,862,905,000 | 4,082,118,000 | 4,348,628,000 |
| Total loans | 3,243,545,000 | 3,547,634,000 | 3,703,459,000 | 3,942,997,000 |
| Allowance for loan losses | 34,390,000 | 38,317,000 | 38,697,000 | 40,149,000 |
| Securities available for sale | 101,941,000 | 100,905,000 | 84,386,000 | 62,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,916,539,000 | 3,055,545,000 | 3,257,270,000 | 3,512,145,000 |
| Interest-bearing deposits | 2,522,786,000 | 2,681,773,000 | 2,845,466,000 | 3,079,641,000 |
| Noninterest-bearing deposits | 393,753,000 | 373,772,000 | 411,804,000 | 432,504,000 |
| Equity capital | 433,749,000 | 442,514,000 | 454,276,000 | 467,821,000 |
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 | 34,484,000 | 70,432,000 | 109,345,000 | 151,155,000 |
| Interest expense | 5,980,000 | 12,540,000 | 19,833,000 | 27,839,000 |
| Net interest income | 28,504,000 | 57,892,000 | 89,512,000 | 123,316,000 |
| Noninterest income | 2,374,000 | 4,936,000 | 7,732,000 | 10,485,000 |
| Noninterest expense | 19,304,000 | 38,536,000 | 57,859,000 | 77,782,000 |
| Provision for loan losses | 1,066,000 | 5,018,000 | 5,876,000 | 7,180,000 |
| Pretax income | 10,567,000 | 19,401,000 | 33,721,000 | 51,677,000 |
| Income tax | 3,213,000 | 6,099,000 | 11,076,000 | 17,720,000 |
| Net income | 7,354,000 | 13,302,000 | 22,645,000 | 33,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 419,323,000 | 428,852,000 | 439,551,000 | 452,327,000 |
| Total capital | 453,713,000 | 467,242,000 | 479,113,000 | 493,943,000 |
| Risk-weighted assets | 3,651,561,000 | 3,943,215,000 | 4,024,733,000 | 4,213,234,000 |