Call reports 2015
EASTERN INTERNATIONAL BANK — 2015
What EASTERN INTERNATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 121,544,000 | 121,534,000 | 119,687,000 | 119,470,000 |
| Total loans | 78,817,000 | 79,821,000 | 81,953,000 | 79,523,000 |
| Allowance for loan losses | 1,144,000 | 1,139,000 | 1,144,000 | 1,145,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,790,000 | 103,500,000 | 101,544,000 | 101,208,000 |
| Interest-bearing deposits | 97,125,000 | 97,041,000 | 94,939,000 | 95,090,000 |
| Noninterest-bearing deposits | 6,665,000 | 6,459,000 | 6,605,000 | 6,118,000 |
| Equity capital | 17,594,000 | 17,736,000 | 17,871,000 | 17,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 1,961,000 | 2,969,000 | 3,989,000 |
| Interest expense | 149,000 | 299,000 | 447,000 | 594,000 |
| Net interest income | 825,000 | 1,662,000 | 2,522,000 | 3,395,000 |
| Noninterest income | 33,000 | 61,000 | 91,000 | 124,000 |
| Noninterest expense | 682,000 | 1,306,000 | 1,966,000 | 2,670,000 |
| Provision for loan losses | -100,000 | -100,000 | -100,000 | -100,000 |
| Pretax income | 276,000 | 517,000 | 747,000 | 949,000 |
| Income tax | 114,000 | 213,000 | 308,000 | 391,000 |
| Net income | 162,000 | 304,000 | 439,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,594,000 | 17,736,000 | 17,871,000 | 17,990,000 |
| Total capital | 18,590,000 | 18,756,000 | 18,906,000 | 18,992,000 |
| Risk-weighted assets | 79,537,000 | 81,460,000 | 82,692,000 | 80,038,000 |