Call reports 2017
EASTERN CONNECTICUT SAVINGS BANK — 2017
What EASTERN CONNECTICUT SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 188,670,000 | 187,216,000 | 183,085,000 | 182,899,000 |
| Total loans | 164,545,000 | 161,635,000 | 159,019,000 | 157,300,000 |
| Allowance for loan losses | 1,324,000 | 1,249,000 | 1,254,000 | 1,273,000 |
| Securities available for sale | 737,000 | 696,000 | 635,000 | 590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,255,000 | 145,627,000 | 145,342,000 | 147,861,000 |
| Interest-bearing deposits | 123,266,000 | 121,650,000 | 121,606,000 | 124,480,000 |
| Noninterest-bearing deposits | 21,989,000 | 23,977,000 | 23,736,000 | 23,381,000 |
| Equity capital | 16,059,000 | 16,094,000 | 16,094,000 | 15,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,835,000 | 3,668,000 | 5,496,000 | 7,354,000 |
| Interest expense | 345,000 | 677,000 | 1,014,000 | 1,345,000 |
| Net interest income | 1,490,000 | 2,991,000 | 4,482,000 | 6,009,000 |
| Noninterest income | 240,000 | 490,000 | 747,000 | 968,000 |
| Noninterest expense | 1,710,000 | 3,390,000 | 5,135,000 | 6,801,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | -10,000 | 31,000 | 4,000 | 56,000 |
| Income tax | -14,000 | -10,000 | -35,000 | 635,000 |
| Net income | 4,000 | 41,000 | 39,000 | -579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,847,000 | 14,882,000 | 14,841,000 | 14,734,000 |
| Total capital | 16,171,000 | 16,131,000 | 16,095,000 | 16,007,000 |
| Risk-weighted assets | 137,244,000 | 136,261,000 | 134,296,000 | 132,568,000 |