Call reports 2014
EASTERN CONNECTICUT SAVINGS BANK — 2014
What EASTERN CONNECTICUT SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 178,276,000 | 178,556,000 | 181,577,000 | 182,898,000 |
| Total loans | 150,381,000 | 154,322,000 | 158,314,000 | 160,063,000 |
| Allowance for loan losses | 1,360,000 | 1,409,000 | 1,426,000 | 1,426,000 |
| Securities available for sale | 1,114,000 | 1,072,000 | 1,031,000 | 1,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,323,000 | 134,698,000 | 131,838,000 | 134,027,000 |
| Interest-bearing deposits | 120,049,000 | 118,136,000 | 115,590,000 | 116,016,000 |
| Noninterest-bearing deposits | 18,274,000 | 16,562,000 | 16,248,000 | 18,011,000 |
| Equity capital | 15,914,000 | 15,960,000 | 16,067,000 | 16,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,605,000 | 3,251,000 | 4,926,000 | 6,606,000 |
| Interest expense | 329,000 | 679,000 | 1,039,000 | 1,405,000 |
| Net interest income | 1,276,000 | 2,572,000 | 3,887,000 | 5,201,000 |
| Noninterest income | 186,000 | 415,000 | 902,000 | 1,089,000 |
| Noninterest expense | 1,456,000 | 2,874,000 | 4,547,000 | 6,166,000 |
| Provision for loan losses | 60,000 | 120,000 | 140,000 | 140,000 |
| Pretax income | -54,000 | -7,000 | 102,000 | -16,000 |
| Income tax | -30,000 | -25,000 | -21,000 | -72,000 |
| Net income | -24,000 | 18,000 | 123,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,088,000 | 15,129,000 | 15,234,000 | 15,169,000 |
| Total capital | 16,448,000 | 16,538,000 | 16,660,000 | 16,595,000 |
| Risk-weighted assets | 125,735,000 | 129,535,000 | 132,763,000 | 133,996,000 |