Call reports 2016
EAST CAMBRIDGE SAVINGS BANK — 2016
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 996,133,000 | 996,485,000 | 1,007,062,000 | 1,010,253,000 |
| Total loans | 733,250,000 | 753,949,000 | 763,810,000 | 774,167,000 |
| Allowance for loan losses | 4,624,000 | 4,686,000 | 4,686,000 | 4,690,000 |
| Securities available for sale | 141,406,000 | 120,009,000 | 118,770,000 | 113,034,000 |
| Securities held to maturity | 16,052,000 | 15,621,000 | 14,600,000 | 13,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 854,559,000 | 849,272,000 | 862,039,000 | 867,513,000 |
| Interest-bearing deposits | 733,042,000 | 732,710,000 | 738,083,000 | 744,346,000 |
| Noninterest-bearing deposits | 121,517,000 | 116,562,000 | 123,956,000 | 123,167,000 |
| Equity capital | 96,499,000 | 97,780,000 | 98,640,000 | 97,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,345,000 | 16,756,000 | 25,186,000 | 33,627,000 |
| Interest expense | 1,201,000 | 2,419,000 | 3,685,000 | 4,932,000 |
| Net interest income | 7,144,000 | 14,337,000 | 21,501,000 | 28,695,000 |
| Noninterest income | 914,000 | 1,819,000 | 2,843,000 | 4,068,000 |
| Noninterest expense | 6,729,000 | 13,374,000 | 20,031,000 | 27,109,000 |
| Provision for loan losses | 113,000 | 182,000 | 182,000 | 186,000 |
| Pretax income | 1,216,000 | 3,006,000 | 4,549,000 | 5,886,000 |
| Income tax | 349,000 | 926,000 | 1,370,000 | 1,744,000 |
| Net income | 867,000 | 2,080,000 | 3,179,000 | 4,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,970,000 | 100,291,000 | 101,299,000 | 102,270,000 |
| Total capital | 103,594,000 | 104,977,000 | 105,985,000 | 106,960,000 |
| Risk-weighted assets | 643,953,000 | 645,123,000 | 648,909,000 | 658,608,000 |