Call reports 2015
EASTERN CONNECTICUT SAVINGS BANK — 2015
What EASTERN CONNECTICUT 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 | 187,321,000 | 187,493,000 | 185,632,000 | 186,290,000 |
| Total loans | 160,620,000 | 163,285,000 | 164,778,000 | 165,016,000 |
| Allowance for loan losses | 1,428,000 | 1,454,000 | 1,484,000 | 1,493,000 |
| Securities available for sale | 1,440,000 | 1,373,000 | 1,317,000 | 1,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,559,000 | 138,969,000 | 136,449,000 | 130,858,000 |
| Interest-bearing deposits | 120,248,000 | 119,592,000 | 117,591,000 | 110,294,000 |
| Noninterest-bearing deposits | 18,311,000 | 19,377,000 | 18,858,000 | 20,564,000 |
| Equity capital | 16,058,000 | 16,117,000 | 15,999,000 | 16,006,000 |
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 | 1,797,000 | 3,522,000 | 5,279,000 | 7,050,000 |
| Interest expense | 362,000 | 712,000 | 1,064,000 | 1,416,000 |
| Net interest income | 1,435,000 | 2,810,000 | 4,215,000 | 5,634,000 |
| Noninterest income | 216,000 | 418,000 | 622,000 | 822,000 |
| Noninterest expense | 1,564,000 | 3,026,000 | 4,603,000 | 6,181,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 57,000 | 142,000 | 144,000 | 155,000 |
| Income tax | 9,000 | 27,000 | 5,000 | -2,000 |
| Net income | 48,000 | 115,000 | 139,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,898,000 | 14,965,000 | 15,008,000 | 15,025,000 |
| Total capital | 16,326,000 | 16,419,000 | 16,492,000 | 16,518,000 |
| Risk-weighted assets | 135,793,000 | 136,008,000 | 135,198,000 | 135,525,000 |