Call reports 2019
EAST CAMBRIDGE SAVINGS BANK — 2019
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,117,001,000 | 1,126,833,000 | 1,136,811,000 | 1,106,794,000 |
| Total loans | 901,054,000 | 903,834,000 | 875,658,000 | 892,322,000 |
| Allowance for loan losses | 4,826,000 | 4,983,000 | 4,990,000 | 5,259,000 |
| Securities available for sale | 106,726,000 | 108,087,000 | 105,847,000 | 104,098,000 |
| Securities held to maturity | 10,825,000 | 10,581,000 | 10,238,000 | 10,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 911,302,000 | 911,487,000 | 942,991,000 | 935,071,000 |
| Interest-bearing deposits | 785,251,000 | 786,629,000 | 815,117,000 | 811,847,000 |
| Noninterest-bearing deposits | 126,051,000 | 124,858,000 | 127,874,000 | 123,224,000 |
| Equity capital | 111,140,000 | 113,013,000 | 115,005,000 | 113,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,512,000 | 21,290,000 | 32,143,000 | 42,653,000 |
| Interest expense | 2,670,000 | 5,623,000 | 8,689,000 | 11,667,000 |
| Net interest income | 7,842,000 | 15,667,000 | 23,454,000 | 30,986,000 |
| Noninterest income | 894,000 | 1,888,000 | 3,063,000 | 4,217,000 |
| Noninterest expense | 6,514,000 | 13,746,000 | 20,325,000 | 26,864,000 |
| Provision for loan losses | 37,000 | 194,000 | 201,000 | 476,000 |
| Pretax income | 2,185,000 | 3,615,000 | 5,991,000 | 7,863,000 |
| Income tax | 497,000 | 783,000 | 1,310,000 | 1,710,000 |
| Net income | 1,688,000 | 2,832,000 | 4,681,000 | 6,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,900,000 | 118,051,000 | 119,906,000 | 121,384,000 |
| Total capital | 121,726,000 | 123,034,000 | 124,896,000 | 126,643,000 |
| Risk-weighted assets | 751,774,000 | 742,685,000 | 729,850,000 | 747,258,000 |
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