Call reports 2022
EAST CAMBRIDGE SAVINGS BANK — 2022
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,335,552,000 | 1,427,526,000 | 1,595,068,000 | 1,609,978,000 |
| Total loans | 1,124,150,000 | 1,160,430,000 | 1,355,249,000 | 1,376,734,000 |
| Allowance for loan losses | 7,624,000 | 7,600,000 | 7,803,000 | 7,991,000 |
| Securities available for sale | 111,765,000 | 106,978,000 | 97,754,000 | 96,883,000 |
| Securities held to maturity | 13,266,000 | 24,548,000 | 29,843,000 | 30,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,174,441,000 | 1,277,771,000 | 1,410,944,000 | 1,363,941,000 |
| Interest-bearing deposits | 986,294,000 | 1,093,119,000 | 1,194,760,000 | 1,160,941,000 |
| Noninterest-bearing deposits | 188,147,000 | 184,652,000 | 216,184,000 | 203,000,000 |
| Equity capital | 128,985,000 | 127,361,000 | 125,680,000 | 129,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,036,000 | 23,023,000 | 36,950,000 | 52,736,000 |
| Interest expense | 842,000 | 1,829,000 | 3,305,000 | 6,150,000 |
| Net interest income | 10,194,000 | 21,194,000 | 33,645,000 | 46,586,000 |
| Noninterest income | 1,069,000 | 2,208,000 | 3,299,000 | 4,478,000 |
| Noninterest expense | 7,798,000 | 15,929,000 | 25,149,000 | 34,172,000 |
| Provision for loan losses | 230,000 | 213,000 | 421,000 | 615,000 |
| Pretax income | 3,235,000 | 7,260,000 | 11,374,000 | 16,277,000 |
| Income tax | 814,000 | 1,852,000 | 3,136,000 | 4,431,000 |
| Net income | 2,421,000 | 5,408,000 | 8,238,000 | 11,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,335,000 | 141,328,000 | 132,756,000 | 136,475,000 |
| Total capital | 145,959,000 | 148,928,000 | 140,559,000 | 144,466,000 |
| Risk-weighted assets | 952,000,000 | 967,808,000 | 1,144,326,000 | 1,152,081,000 |