Call reports 2014
EAST CAMBRIDGE SAVINGS BANK — 2014
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 849,228,000 | 881,910,000 | 880,851,000 | 889,410,000 |
| Total loans | 552,733,000 | 565,295,000 | 583,335,000 | 607,525,000 |
| Allowance for loan losses | 3,906,000 | 3,801,000 | 3,882,000 | 4,122,000 |
| Securities available for sale | 171,928,000 | 176,322,000 | 174,348,000 | 163,247,000 |
| Securities held to maturity | 21,930,000 | 20,672,000 | 20,547,000 | 18,707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,469,000 | 754,732,000 | 757,014,000 | 762,369,000 |
| Interest-bearing deposits | 646,246,000 | 660,148,000 | 660,490,000 | 667,860,000 |
| Noninterest-bearing deposits | 89,223,000 | 94,584,000 | 96,524,000 | 94,509,000 |
| Equity capital | 84,800,000 | 86,461,000 | 86,737,000 | 85,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,899,000 | 13,769,000 | 20,742,000 | 27,968,000 |
| Interest expense | 994,000 | 1,992,000 | 3,081,000 | 4,180,000 |
| Net interest income | 5,905,000 | 11,777,000 | 17,661,000 | 23,788,000 |
| Noninterest income | 688,000 | 1,395,000 | 2,111,000 | 2,728,000 |
| Noninterest expense | 5,567,000 | 11,377,000 | 16,965,000 | 22,961,000 |
| Provision for loan losses | 0 | 0 | 76,000 | 312,000 |
| Pretax income | 1,182,000 | 2,025,000 | 2,961,000 | 3,517,000 |
| Income tax | 354,000 | 575,000 | 829,000 | 1,053,000 |
| Net income | 828,000 | 1,450,000 | 2,132,000 | 2,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,368,000 | 83,996,000 | 84,684,000 | 85,023,000 |
| Total capital | 87,274,000 | 87,797,000 | 88,566,000 | 89,145,000 |
| Risk-weighted assets | 522,563,000 | 532,550,000 | 549,190,000 | 562,814,000 |
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