Call reports 2025
EAST CAMBRIDGE SAVINGS BANK — 2025
What EAST CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,622,577,000 | 1,608,442,000 | 1,624,922,000 | 1,640,097,000 |
| Total loans | 1,303,992,000 | 1,289,923,000 | 1,298,101,000 | 1,300,629,000 |
| Allowance for loan losses | 7,876,000 | 7,911,000 | 7,894,000 | 7,650,000 |
| Securities available for sale | 92,162,000 | 87,881,000 | 87,711,000 | 87,878,000 |
| Securities held to maturity | 47,842,000 | 44,715,000 | 42,925,000 | 40,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,296,260,000 | 1,279,229,000 | 1,293,039,000 | 1,317,280,000 |
| Interest-bearing deposits | 1,138,266,000 | 1,125,308,000 | 1,138,856,000 | 1,162,130,000 |
| Noninterest-bearing deposits | 157,994,000 | 153,921,000 | 154,183,000 | 155,150,000 |
| Equity capital | 146,860,000 | 148,408,000 | 151,088,000 | 153,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 17,788,000 | 35,731,000 | 53,978,000 | 72,241,000 |
| Interest expense | 8,968,000 | 17,761,000 | 26,531,000 | 35,331,000 |
| Net interest income | 8,820,000 | 17,970,000 | 27,447,000 | 36,910,000 |
| Noninterest income | 1,203,000 | 2,404,000 | 3,707,000 | 5,459,000 |
| Noninterest expense | 8,337,000 | 17,121,000 | 26,045,000 | 35,259,000 |
| Provision for loan losses | 102,000 | 199,000 | 205,000 | -21,000 |
| Pretax income | 1,603,000 | 3,015,000 | 4,917,000 | 7,167,000 |
| Income tax | 318,000 | 587,000 | 990,000 | 1,492,000 |
| Net income | 1,285,000 | 2,428,000 | 3,927,000 | 5,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 150,206,000 | 151,804,000 | 153,362,000 | 154,772,000 |
| Total capital | 158,489,000 | 160,180,000 | 161,669,000 | 162,812,000 |
| Risk-weighted assets | 1,066,244,000 | 1,048,710,000 | 1,086,122,000 | 1,095,686,000 |