Call reports 2015
EAST CAMBRIDGE SAVINGS BANK — 2015
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 994,049,000 | 985,862,000 | 972,973,000 | 984,338,000 |
| Total loans | 649,411,000 | 659,640,000 | 675,195,000 | 703,789,000 |
| Allowance for loan losses | 4,124,000 | 4,155,000 | 4,354,000 | 4,511,000 |
| Securities available for sale | 171,879,000 | 163,564,000 | 151,177,000 | 143,966,000 |
| Securities held to maturity | 17,913,000 | 16,367,000 | 16,236,000 | 16,135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 853,977,000 | 850,638,000 | 831,942,000 | 849,217,000 |
| Interest-bearing deposits | 714,430,000 | 709,055,000 | 722,336,000 | 729,642,000 |
| Noninterest-bearing deposits | 139,547,000 | 141,583,000 | 109,606,000 | 119,575,000 |
| Equity capital | 92,829,000 | 93,232,000 | 94,509,000 | 94,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,380,000 | 15,163,000 | 22,917,000 | 30,900,000 |
| Interest expense | 1,117,000 | 2,289,000 | 3,487,000 | 4,702,000 |
| Net interest income | 6,263,000 | 12,874,000 | 19,430,000 | 26,198,000 |
| Noninterest income | 750,000 | 1,976,000 | 2,864,000 | 3,807,000 |
| Noninterest expense | 5,988,000 | 12,457,000 | 18,963,000 | 25,803,000 |
| Provision for loan losses | 0 | 28,000 | 232,000 | 389,000 |
| Pretax income | 1,040,000 | 2,380,000 | 3,138,000 | 3,885,000 |
| Income tax | 287,000 | 687,000 | 849,000 | 1,034,000 |
| Net income | 1,330,000 | 2,270,000 | 2,866,000 | 3,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,953,000 | 94,573,000 | 95,177,000 | 95,957,000 |
| Total capital | 93,953,000 | 98,728,000 | 99,531,000 | 100,468,000 |
| Risk-weighted assets | 580,064,000 | 577,733,000 | 601,980,000 | 616,156,000 |