Call reports 2012
EAST CAMBRIDGE SAVINGS BANK — 2012
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 812,390,000 | 798,900,000 | 836,991,000 | 831,152,000 |
| Total loans | 509,891,000 | 519,522,000 | 552,232,000 | 541,904,000 |
| Allowance for loan losses | 3,859,000 | 3,983,000 | 4,011,000 | 4,045,000 |
| Securities available for sale | 144,787,000 | 125,353,000 | 136,276,000 | 131,744,000 |
| Securities held to maturity | 20,144,000 | 19,215,000 | 17,293,000 | 17,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 686,741,000 | 685,451,000 | 716,899,000 | 715,439,000 |
| Interest-bearing deposits | 617,204,000 | 612,081,000 | 639,775,000 | 637,828,000 |
| Noninterest-bearing deposits | 69,537,000 | 73,370,000 | 77,124,000 | 77,611,000 |
| Equity capital | 84,683,000 | 85,595,000 | 87,057,000 | 85,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,605,000 | 15,051,000 | 22,457,000 | 29,771,000 |
| Interest expense | 1,369,000 | 2,656,000 | 3,924,000 | 5,215,000 |
| Net interest income | 6,236,000 | 12,395,000 | 18,533,000 | 24,556,000 |
| Noninterest income | 590,000 | 1,199,000 | 1,872,000 | 2,708,000 |
| Noninterest expense | 5,500,000 | 11,056,000 | 16,609,000 | 22,540,000 |
| Provision for loan losses | 34,000 | 321,000 | 355,000 | 388,000 |
| Pretax income | 1,409,000 | 2,649,000 | 3,924,000 | 5,391,000 |
| Income tax | 484,000 | 904,000 | 1,328,000 | 1,864,000 |
| Net income | 925,000 | 1,745,000 | 2,596,000 | 3,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,945,000 | 85,777,000 | 86,643,000 | 85,969,000 |
| Total capital | 89,097,000 | 89,985,000 | 90,911,000 | 90,014,000 |
| Risk-weighted assets | 445,869,000 | 458,149,000 | 483,625,000 | 477,718,000 |