Call reports 2009
EAST CAMBRIDGE SAVINGS BANK — 2009
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 826,603,000 | 820,010,000 | 821,399,000 | 800,972,000 |
| Total loans | 558,449,000 | 549,515,000 | 544,907,000 | 543,299,000 |
| Allowance for loan losses | 3,218,000 | 3,355,000 | 3,398,000 | 3,491,000 |
| Securities available for sale | 125,380,000 | 123,939,000 | 150,810,000 | 175,586,000 |
| Securities held to maturity | 5,379,000 | 5,802,000 | 5,273,000 | 5,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 668,283,000 | 662,271,000 | 671,077,000 | 664,946,000 |
| Interest-bearing deposits | 620,978,000 | 614,114,000 | 620,821,000 | 615,752,000 |
| Noninterest-bearing deposits | 47,305,000 | 48,157,000 | 50,256,000 | 49,194,000 |
| Equity capital | 70,320,000 | 73,588,000 | 75,772,000 | 78,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,788,000 | 19,030,000 | 28,030,000 | 37,020,000 |
| Interest expense | 4,531,000 | 8,721,000 | 12,368,000 | 15,592,000 |
| Net interest income | 5,257,000 | 10,309,000 | 15,662,000 | 21,428,000 |
| Noninterest income | 473,000 | 999,000 | 1,583,000 | 2,219,000 |
| Noninterest expense | 4,840,000 | 9,947,000 | 14,874,000 | 19,901,000 |
| Provision for loan losses | 17,000 | 170,000 | 307,000 | 512,000 |
| Pretax income | 901,000 | 1,219,000 | 2,092,000 | 3,264,000 |
| Income tax | 297,000 | 380,000 | 650,000 | 1,126,000 |
| Net income | 604,000 | 839,000 | 1,442,000 | 2,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,284,000 | 73,902,000 | 74,947,000 | 72,182,000 |
| Total capital | 76,502,000 | 77,257,000 | 78,388,000 | 75,888,000 |
| Risk-weighted assets | 484,552,000 | 476,794,000 | 474,692,000 | 467,357,000 |
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