Call reports 2013
EAST CAMBRIDGE SAVINGS BANK — 2013
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 845,474,000 | 853,596,000 | 849,626,000 | 847,481,000 |
| Total loans | 515,083,000 | 518,483,000 | 538,988,000 | 555,177,000 |
| Allowance for loan losses | 4,033,000 | 4,035,000 | 4,038,000 | 4,033,000 |
| Securities available for sale | 187,012,000 | 189,200,000 | 187,509,000 | 175,242,000 |
| Securities held to maturity | 15,460,000 | 15,214,000 | 18,082,000 | 22,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 732,936,000 | 737,888,000 | 734,578,000 | 735,119,000 |
| Interest-bearing deposits | 646,691,000 | 651,978,000 | 644,864,000 | 644,886,000 |
| Noninterest-bearing deposits | 86,245,000 | 85,910,000 | 89,714,000 | 90,233,000 |
| Equity capital | 81,041,000 | 78,650,000 | 79,522,000 | 83,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,075,000 | 14,127,000 | 21,021,000 | 27,952,000 |
| Interest expense | 1,208,000 | 2,392,000 | 3,524,000 | 4,567,000 |
| Net interest income | 5,867,000 | 11,735,000 | 17,497,000 | 23,385,000 |
| Noninterest income | 597,000 | 1,289,000 | 2,022,000 | 2,746,000 |
| Noninterest expense | 5,362,000 | 10,874,000 | 16,399,000 | 22,360,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 3,000 |
| Pretax income | 1,102,000 | 2,150,000 | 3,117,000 | 4,259,000 |
| Income tax | 365,000 | 696,000 | 964,000 | 1,314,000 |
| Net income | 737,000 | 1,454,000 | 2,153,000 | 2,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,709,000 | 82,436,000 | 83,144,000 | 82,529,000 |
| Total capital | 85,742,000 | 86,471,000 | 87,182,000 | 86,562,000 |
| Risk-weighted assets | 484,032,000 | 499,986,000 | 522,790,000 | 528,353,000 |
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