Call reports 2019
EASTERN CONNECTICUT SAVINGS BANK — 2019
What EASTERN CONNECTICUT SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 181,617,000 | 183,613,000 | 181,660,000 | 193,087,000 |
| Total loans | 155,328,000 | 154,205,000 | 153,449,000 | 156,703,000 |
| Allowance for loan losses | 1,312,000 | 1,338,000 | 1,372,000 | 1,394,000 |
| Securities available for sale | 417,000 | 399,000 | 372,000 | 347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,481,000 | 155,631,000 | 154,772,000 | 167,489,000 |
| Interest-bearing deposits | 128,950,000 | 130,827,000 | 128,348,000 | 138,857,000 |
| Noninterest-bearing deposits | 24,531,000 | 24,804,000 | 26,424,000 | 28,632,000 |
| Equity capital | 15,626,000 | 15,656,000 | 15,740,000 | 15,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,893,000 | 3,829,000 | 5,759,000 | 7,639,000 |
| Interest expense | 413,000 | 857,000 | 1,302,000 | 1,746,000 |
| Net interest income | 1,480,000 | 2,972,000 | 4,457,000 | 5,893,000 |
| Noninterest income | 219,000 | 553,000 | 990,000 | 1,268,000 |
| Noninterest expense | 1,736,000 | 3,510,000 | 5,309,000 | 7,013,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | -67,000 | -45,000 | 48,000 | 28,000 |
| Income tax | -20,000 | -22,000 | -13,000 | -24,000 |
| Net income | -47,000 | -23,000 | 61,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,997,000 | 15,021,000 | 15,066,000 | 15,058,000 |
| Total capital | 16,309,000 | 16,359,000 | 16,438,000 | 16,452,000 |
| Risk-weighted assets | 132,303,000 | 130,808,000 | 132,138,000 | 134,648,000 |