Call reports 2021
EASTERN CONNECTICUT SAVINGS BANK — 2021
What EASTERN CONNECTICUT SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 238,196,000 | 236,743,000 | 236,818,000 | 240,324,000 |
| Total loans | 209,352,000 | 210,511,000 | 211,374,000 | 212,124,000 |
| Allowance for loan losses | 1,677,000 | 1,709,000 | 1,721,000 | 1,753,000 |
| Securities available for sale | 210,000 | 188,000 | 169,000 | 141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,363,000 | 215,625,000 | 215,007,000 | 218,281,000 |
| Interest-bearing deposits | 168,014,000 | 171,011,000 | 166,447,000 | 167,119,000 |
| Noninterest-bearing deposits | 47,349,000 | 44,614,000 | 48,560,000 | 51,162,000 |
| Equity capital | 16,443,000 | 16,801,000 | 17,605,000 | 17,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,122,000 | 4,350,000 | 6,847,000 | 9,121,000 |
| Interest expense | 237,000 | 427,000 | 581,000 | 725,000 |
| Net interest income | 1,885,000 | 3,923,000 | 6,266,000 | 8,396,000 |
| Noninterest income | 844,000 | 1,590,000 | 2,585,000 | 3,318,000 |
| Noninterest expense | 2,352,000 | 4,664,000 | 6,931,000 | 9,378,000 |
| Provision for loan losses | 130,000 | 160,000 | 230,000 | 260,000 |
| Pretax income | 247,000 | 689,000 | 1,690,000 | 2,076,000 |
| Income tax | 47,000 | 130,000 | 327,000 | 401,000 |
| Net income | 200,000 | 559,000 | 1,363,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,791,000 | 16,150,000 | 17,419,000 | 17,731,000 |
| Total capital | 17,468,000 | 17,859,000 | 19,140,000 | 19,484,000 |
| Risk-weighted assets | 156,829,000 | 159,813,000 | 165,408,000 | 169,203,000 |