Call reports 2006
EAST CAMBRIDGE SAVINGS BANK — 2006
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 717,057,000 | 728,098,000 | 749,476,000 | 746,420,000 |
| Total loans | 464,276,000 | 477,163,000 | 492,319,000 | 493,615,000 |
| Allowance for loan losses | 2,776,000 | 2,779,000 | 2,782,000 | 2,800,000 |
| Securities available for sale | 206,191,000 | 201,769,000 | 203,005,000 | 204,546,000 |
| Securities held to maturity | 4,357,000 | 4,532,000 | 4,800,000 | 4,556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,937,000 | 598,207,000 | 614,069,000 | 615,366,000 |
| Interest-bearing deposits | 546,457,000 | 562,712,000 | 574,543,000 | 580,035,000 |
| Noninterest-bearing deposits | 36,480,000 | 35,495,000 | 39,526,000 | 35,331,000 |
| Equity capital | 70,498,000 | 70,559,000 | 72,788,000 | 73,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,759,000 | 17,750,000 | 27,073,000 | 36,801,000 |
| Interest expense | 4,090,000 | 8,715,000 | 13,854,000 | 19,426,000 |
| Net interest income | 4,669,000 | 9,035,000 | 13,219,000 | 17,375,000 |
| Noninterest income | 329,000 | 652,000 | 971,000 | 1,336,000 |
| Noninterest expense | 3,862,000 | 7,855,000 | 11,799,000 | 15,746,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,114,000 | 1,889,000 | 2,513,000 | 3,174,000 |
| Income tax | 408,000 | 659,000 | 872,000 | 917,000 |
| Net income | 706,000 | 1,230,000 | 1,641,000 | 2,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,823,000 | 73,348,000 | 73,758,000 | 74,374,000 |
| Total capital | 76,030,000 | 76,497,000 | 76,965,000 | 77,752,000 |
| Risk-weighted assets | 413,367,000 | 424,060,000 | 436,042,000 | 446,069,000 |
Machine access — free, no API key
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