Call reports 2010
EAST CAMBRIDGE SAVINGS BANK — 2010
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 815,498,000 | 816,642,000 | 830,970,000 | 798,518,000 |
| Total loans | 533,985,000 | 533,913,000 | 522,678,000 | 500,892,000 |
| Allowance for loan losses | 3,560,000 | 3,619,000 | 3,672,000 | 3,702,000 |
| Securities available for sale | 173,878,000 | 172,580,000 | 205,960,000 | 208,861,000 |
| Securities held to maturity | 5,458,000 | 4,904,000 | 5,411,000 | 5,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,074,000 | 689,409,000 | 711,935,000 | 684,125,000 |
| Interest-bearing deposits | 615,847,000 | 634,603,000 | 650,187,000 | 621,712,000 |
| Noninterest-bearing deposits | 54,227,000 | 54,806,000 | 61,748,000 | 62,413,000 |
| Equity capital | 79,764,000 | 81,008,000 | 82,565,000 | 82,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,828,000 | 17,699,000 | 26,376,000 | 34,911,000 |
| Interest expense | 2,639,000 | 5,074,000 | 7,434,000 | 9,485,000 |
| Net interest income | 6,189,000 | 12,625,000 | 18,942,000 | 25,426,000 |
| Noninterest income | 545,000 | 1,112,000 | 1,735,000 | 2,464,000 |
| Noninterest expense | 4,823,000 | 9,777,000 | 14,811,000 | 20,671,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 2,022,000 | 4,122,000 | 6,070,000 | 7,477,000 |
| Income tax | 726,000 | 1,486,000 | 2,198,000 | 2,105,000 |
| Net income | 1,296,000 | 2,636,000 | 3,872,000 | 5,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,502,000 | 74,861,000 | 77,285,000 | 79,604,000 |
| Total capital | 77,273,000 | 78,602,000 | 81,240,000 | 83,657,000 |
| Risk-weighted assets | 461,166,000 | 459,918,000 | 465,446,000 | 446,705,000 |
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