Call reports 2005
EAST CAMBRIDGE SAVINGS BANK — 2005
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 691,273,000 | 686,528,000 | 688,571,000 | 700,329,000 |
| Total loans | 457,838,000 | 457,875,000 | 451,523,000 | 461,849,000 |
| Allowance for loan losses | 3,024,000 | 3,211,000 | 2,775,000 | 2,776,000 |
| Securities available for sale | 182,939,000 | 183,852,000 | 190,561,000 | 192,173,000 |
| Securities held to maturity | 4,347,000 | 4,037,000 | 4,024,000 | 4,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,901,000 | 561,976,000 | 557,423,000 | 569,733,000 |
| Interest-bearing deposits | 534,926,000 | 527,514,000 | 522,892,000 | 532,885,000 |
| Noninterest-bearing deposits | 36,975,000 | 34,462,000 | 34,531,000 | 36,848,000 |
| Equity capital | 68,212,000 | 69,725,000 | 69,936,000 | 70,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,004,000 | 16,670,000 | 24,833,000 | 33,160,000 |
| Interest expense | 2,824,000 | 5,852,000 | 9,182,000 | 12,743,000 |
| Net interest income | 5,180,000 | 10,818,000 | 15,651,000 | 20,417,000 |
| Noninterest income | 361,000 | 751,000 | 1,084,000 | 1,442,000 |
| Noninterest expense | 3,688,000 | 7,540,000 | 11,732,000 | 15,553,000 |
| Provision for loan losses | 264,000 | 454,000 | 93,000 | 93,000 |
| Pretax income | 1,223,000 | 3,101,000 | 4,379,000 | 5,633,000 |
| Income tax | 435,000 | 1,157,000 | 1,622,000 | 2,060,000 |
| Net income | 788,000 | 1,944,000 | 2,757,000 | 3,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,333,000 | 70,489,000 | 71,302,000 | 72,118,000 |
| Total capital | 72,618,000 | 73,942,000 | 74,370,000 | 75,269,000 |
| Risk-weighted assets | 403,359,000 | 405,305,000 | 403,841,000 | 415,638,000 |
Machine access — free, no API key
Every figure shown here about EAST CAMBRIDGE SAVINGS BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.