Call reports 2007
EAST CAMBRIDGE SAVINGS BANK — 2007
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 763,725,000 | 765,465,000 | 785,607,000 | 784,949,000 |
| Total loans | 495,256,000 | 499,082,000 | 517,517,000 | 521,789,000 |
| Allowance for loan losses | 2,802,000 | 2,902,000 | 2,900,000 | 2,880,000 |
| Securities available for sale | 213,702,000 | 215,970,000 | 207,927,000 | 204,013,000 |
| Securities held to maturity | 4,781,000 | 4,751,000 | 4,568,000 | 4,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 630,746,000 | 631,524,000 | 644,350,000 | 644,219,000 |
| Interest-bearing deposits | 589,500,000 | 588,938,000 | 603,339,000 | 603,417,000 |
| Noninterest-bearing deposits | 41,246,000 | 42,586,000 | 41,011,000 | 40,802,000 |
| Equity capital | 74,372,000 | 73,853,000 | 75,111,000 | 75,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,808,000 | 19,884,000 | 30,174,000 | 40,702,000 |
| Interest expense | 5,663,000 | 11,535,000 | 17,830,000 | 24,108,000 |
| Net interest income | 4,145,000 | 8,349,000 | 12,344,000 | 16,594,000 |
| Noninterest income | 400,000 | 791,000 | 1,221,000 | 1,864,000 |
| Noninterest expense | 4,323,000 | 8,760,000 | 13,151,000 | 18,009,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 314,000 | 734,000 | 1,206,000 | 1,411,000 |
| Income tax | 67,000 | 231,000 | 375,000 | 297,000 |
| Net income | 247,000 | 503,000 | 831,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,996,000 | 73,919,000 | 74,517,000 | 74,829,000 |
| Total capital | 77,385,000 | 77,397,000 | 77,911,000 | 78,107,000 |
| Risk-weighted assets | 461,130,000 | 464,359,000 | 477,968,000 | 483,464,000 |
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