Call reports 2013
EASTERN CONNECTICUT SAVINGS BANK — 2013
What EASTERN CONNECTICUT SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 168,021,000 | 165,748,000 | 167,898,000 | 172,112,000 |
| Total loans | 142,169,000 | 141,782,000 | 143,451,000 | 149,341,000 |
| Allowance for loan losses | 1,356,000 | 1,378,000 | 1,404,000 | 1,422,000 |
| Securities available for sale | 1,521,000 | 1,324,000 | 1,206,000 | 1,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,783,000 | 128,435,000 | 130,640,000 | 130,035,000 |
| Interest-bearing deposits | 112,097,000 | 112,161,000 | 114,756,000 | 113,352,000 |
| Noninterest-bearing deposits | 16,686,000 | 16,274,000 | 15,884,000 | 16,683,000 |
| Equity capital | 15,838,000 | 15,822,000 | 16,143,000 | 15,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,593,000 | 3,146,000 | 4,714,000 | 6,284,000 |
| Interest expense | 342,000 | 668,000 | 982,000 | 1,298,000 |
| Net interest income | 1,251,000 | 2,478,000 | 3,732,000 | 4,986,000 |
| Noninterest income | -47,000 | 200,000 | 405,000 | 606,000 |
| Noninterest expense | 1,376,000 | 2,842,000 | 3,603,000 | 5,329,000 |
| Provision for loan losses | 48,000 | 96,000 | 194,000 | 254,000 |
| Pretax income | -220,000 | -260,000 | 340,000 | 9,000 |
| Income tax | -84,000 | -111,000 | 140,000 | 17,000 |
| Net income | -136,000 | -149,000 | 200,000 | -8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,963,000 | 14,948,000 | 15,319,000 | 15,112,000 |
| Total capital | 16,319,000 | 16,326,000 | 16,723,000 | 16,534,000 |
| Risk-weighted assets | 118,277,000 | 117,140,000 | 119,930,000 | 123,768,000 |