Call reports 2012
EASTERN CONNECTICUT SAVINGS BANK — 2012
What EASTERN CONNECTICUT SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 169,931,000 | 163,228,000 | 164,404,000 | 165,521,000 |
| Total loans | 139,292,000 | 138,029,000 | 137,711,000 | 141,540,000 |
| Allowance for loan losses | 1,364,000 | 1,300,000 | 1,302,000 | 1,414,000 |
| Securities available for sale | 899,000 | 823,000 | 1,768,000 | 1,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,824,000 | 125,017,000 | 123,586,000 | 123,480,000 |
| Interest-bearing deposits | 109,358,000 | 106,272,000 | 106,314,000 | 106,813,000 |
| Noninterest-bearing deposits | 16,466,000 | 18,745,000 | 17,272,000 | 16,667,000 |
| Equity capital | 18,335,000 | 18,426,000 | 18,496,000 | 15,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,406,000 | 5,058,000 | 6,691,000 |
| Interest expense | 451,000 | 851,000 | 1,233,000 | 1,586,000 |
| Net interest income | 1,243,000 | 2,555,000 | 3,825,000 | 5,105,000 |
| Noninterest income | 178,000 | 361,000 | 595,000 | 823,000 |
| Noninterest expense | 1,385,000 | 2,722,000 | 4,105,000 | 5,505,000 |
| Provision for loan losses | 34,000 | 70,000 | 106,000 | 253,000 |
| Pretax income | 2,000 | 124,000 | 209,000 | 170,000 |
| Income tax | -11,000 | 20,000 | 38,000 | 16,000 |
| Net income | 13,000 | 104,000 | 171,000 | -2,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,315,000 | 18,407,000 | 18,475,000 | 15,102,000 |
| Total capital | 19,679,000 | 19,707,000 | 19,777,000 | 16,516,000 |
| Risk-weighted assets | 116,078,000 | 114,737,000 | 114,888,000 | 117,817,000 |