Call reports 2018
EAST CAMBRIDGE SAVINGS BANK — 2018
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,061,101,000 | 1,058,650,000 | 1,042,746,000 | 1,077,667,000 |
| Total loans | 845,734,000 | 843,143,000 | 821,007,000 | 862,211,000 |
| Allowance for loan losses | 4,730,000 | 4,753,000 | 4,795,000 | 4,788,000 |
| Securities available for sale | 98,521,000 | 99,903,000 | 107,029,000 | 107,031,000 |
| Securities held to maturity | 11,998,000 | 11,717,000 | 11,408,000 | 11,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 889,834,000 | 895,639,000 | 879,776,000 | 893,683,000 |
| Interest-bearing deposits | 756,943,000 | 764,750,000 | 750,028,000 | 762,207,000 |
| Noninterest-bearing deposits | 132,891,000 | 130,889,000 | 129,748,000 | 131,476,000 |
| Equity capital | 102,074,000 | 103,468,000 | 105,262,000 | 108,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,361,000 | 18,925,000 | 28,579,000 | 38,479,000 |
| Interest expense | 1,499,000 | 3,168,000 | 4,975,000 | 7,118,000 |
| Net interest income | 7,862,000 | 15,757,000 | 23,604,000 | 31,361,000 |
| Noninterest income | 823,000 | 1,729,000 | 2,668,000 | 3,681,000 |
| Noninterest expense | 6,490,000 | 13,296,000 | 19,463,000 | 26,382,000 |
| Provision for loan losses | 2,000 | 5,000 | 5,000 | 8,000 |
| Pretax income | 2,193,000 | 4,185,000 | 6,804,000 | 8,652,000 |
| Income tax | 504,000 | 952,000 | 1,562,000 | 1,952,000 |
| Net income | 1,689,000 | 3,233,000 | 5,242,000 | 6,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,166,000 | 111,719,000 | 113,736,000 | 115,203,000 |
| Total capital | 114,896,000 | 116,472,000 | 118,531,000 | 119,991,000 |
| Risk-weighted assets | 690,893,000 | 685,020,000 | 676,197,000 | 703,010,000 |
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