Call reports 2008
EAST CAMBRIDGE SAVINGS BANK — 2008
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 791,072,000 | 784,316,000 | 814,998,000 | 812,399,000 |
| Total loans | 524,519,000 | 547,202,000 | 574,816,000 | 577,532,000 |
| Allowance for loan losses | 2,876,000 | 2,888,000 | 2,871,000 | 3,210,000 |
| Securities available for sale | 206,472,000 | 181,032,000 | 174,522,000 | 136,095,000 |
| Securities held to maturity | 4,075,000 | 4,622,000 | 4,951,000 | 6,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 649,506,000 | 631,560,000 | 657,680,000 | 646,771,000 |
| Interest-bearing deposits | 608,181,000 | 587,546,000 | 611,967,000 | 603,801,000 |
| Noninterest-bearing deposits | 41,325,000 | 44,014,000 | 45,713,000 | 42,970,000 |
| Equity capital | 75,739,000 | 74,749,000 | 69,491,000 | 70,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,200,000 | 20,260,000 | 30,603,000 | 41,039,000 |
| Interest expense | 6,066,000 | 11,328,000 | 16,280,000 | 21,189,000 |
| Net interest income | 4,134,000 | 8,932,000 | 14,323,000 | 19,850,000 |
| Noninterest income | 484,000 | 1,499,000 | 2,828,000 | 3,319,000 |
| Noninterest expense | 4,576,000 | 9,114,000 | 13,831,000 | 18,268,000 |
| Provision for loan losses | 14,000 | 28,000 | 41,000 | 385,000 |
| Pretax income | 28,000 | 1,291,000 | -233,000 | -1,899,000 |
| Income tax | 7,000 | 401,000 | -60,000 | -394,000 |
| Net income | 21,000 | 890,000 | -173,000 | -1,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,878,000 | 75,774,000 | 74,715,000 | 73,258,000 |
| Total capital | 77,994,000 | 78,667,000 | 77,697,000 | 76,468,000 |
| Risk-weighted assets | 482,234,000 | 492,956,000 | 508,139,000 | 499,561,000 |
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