Call reports 2018
EASTERN CONNECTICUT SAVINGS BANK — 2018
What EASTERN CONNECTICUT SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 181,850,000 | 185,390,000 | 179,750,000 | 181,008,000 |
| Total loans | 157,858,000 | 155,203,000 | 154,385,000 | 153,755,000 |
| Allowance for loan losses | 1,340,000 | 1,390,000 | 1,368,000 | 1,366,000 |
| Securities available for sale | 545,000 | 504,000 | 461,000 | 439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,325,000 | 151,949,000 | 148,209,000 | 152,807,000 |
| Interest-bearing deposits | 124,022,000 | 127,057,000 | 124,148,000 | 128,156,000 |
| Noninterest-bearing deposits | 23,303,000 | 24,892,000 | 24,061,000 | 24,651,000 |
| Equity capital | 15,495,000 | 15,548,000 | 15,647,000 | 15,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,797,000 | 3,619,000 | 5,470,000 | 7,336,000 |
| Interest expense | 338,000 | 688,000 | 1,059,000 | 1,463,000 |
| Net interest income | 1,459,000 | 2,931,000 | 4,411,000 | 5,873,000 |
| Noninterest income | 256,000 | 501,000 | 810,000 | 1,168,000 |
| Noninterest expense | 1,631,000 | 3,236,000 | 4,898,000 | 6,551,000 |
| Provision for loan losses | 57,000 | 110,000 | 140,000 | 293,000 |
| Pretax income | 27,000 | 86,000 | 183,000 | 197,000 |
| Income tax | -1,000 | 5,000 | 1,000 | -3,000 |
| Net income | 28,000 | 81,000 | 182,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,762,000 | 14,815,000 | 15,025,000 | 15,043,000 |
| Total capital | 16,102,000 | 16,205,000 | 16,393,000 | 16,409,000 |
| Risk-weighted assets | 131,854,000 | 131,196,000 | 131,738,000 | 131,216,000 |