Call reports 2016
EASTERN CONNECTICUT SAVINGS BANK — 2016
What EASTERN CONNECTICUT 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 | 190,275,000 | 195,314,000 | 197,697,000 | 196,194,000 |
| Total loans | 168,000,000 | 170,303,000 | 169,925,000 | 168,318,000 |
| Allowance for loan losses | 1,511,000 | 1,504,000 | 1,493,000 | 1,467,000 |
| Securities available for sale | 1,192,000 | 947,000 | 854,000 | 784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,480,000 | 145,825,000 | 145,420,000 | 147,165,000 |
| Interest-bearing deposits | 120,708,000 | 125,476,000 | 124,929,000 | 125,955,000 |
| Noninterest-bearing deposits | 20,772,000 | 20,349,000 | 20,491,000 | 21,210,000 |
| Equity capital | 15,982,000 | 15,924,000 | 16,034,000 | 16,057,000 |
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 | 1,786,000 | 3,603,000 | 5,479,000 | 7,337,000 |
| Interest expense | 366,000 | 717,000 | 1,076,000 | 1,445,000 |
| Net interest income | 1,420,000 | 2,886,000 | 4,403,000 | 5,892,000 |
| Noninterest income | 186,000 | 412,000 | 692,000 | 918,000 |
| Noninterest expense | 1,648,000 | 3,660,000 | 5,295,000 | 6,960,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | -63,000 | -404,000 | -263,000 | -234,000 |
| Income tax | -31,000 | -158,000 | -126,000 | -126,000 |
| Net income | -32,000 | -246,000 | -137,000 | -108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,994,000 | 14,788,000 | 14,815,000 | 14,842,000 |
| Total capital | 16,505,000 | 16,292,000 | 16,308,000 | 16,309,000 |
| Risk-weighted assets | 138,411,000 | 140,177,000 | 141,073,000 | 140,290,000 |