Call reports 2004
EAST CAMBRIDGE SAVINGS BANK — 2004
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 653,552,000 | 647,737,000 | 686,334,000 | 671,441,000 |
| Total loans | 446,505,000 | 453,060,000 | 470,894,000 | 469,347,000 |
| Allowance for loan losses | 2,753,000 | 2,764,000 | 2,774,000 | 2,762,000 |
| Securities available for sale | 143,536,000 | 152,971,000 | 159,204,000 | 159,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,901,000 | 543,161,000 | 572,086,000 | 559,107,000 |
| Interest-bearing deposits | 498,613,000 | 502,063,000 | 529,096,000 | 524,589,000 |
| Noninterest-bearing deposits | 35,288,000 | 41,098,000 | 42,990,000 | 34,518,000 |
| Equity capital | 67,196,000 | 66,549,000 | 67,625,000 | 68,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,334,000 | 14,635,000 | 22,320,000 | 30,193,000 |
| Interest expense | 2,543,000 | 5,090,000 | 7,903,000 | 10,734,000 |
| Net interest income | 4,791,000 | 9,545,000 | 14,417,000 | 19,459,000 |
| Noninterest income | 342,000 | 688,000 | 1,006,000 | 1,395,000 |
| Noninterest expense | 4,185,000 | 8,584,000 | 12,864,000 | 16,859,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 948,000 | 1,574,000 | 2,658,000 | 4,137,000 |
| Income tax | 331,000 | 557,000 | 934,000 | 1,395,000 |
| Net income | 617,000 | 1,017,000 | 1,724,000 | 2,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,420,000 | 66,820,000 | 67,527,000 | 68,545,000 |
| Total capital | 69,353,000 | 69,818,000 | 70,455,000 | 71,590,000 |
| Risk-weighted assets | 382,815,000 | 386,120,000 | 394,650,000 | 390,730,000 |
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