Vitals
  • Total Assets
    1.0B 2.6 %
  • Total Deposits
    867.5M 2.2 %
  • Total Net Loans
    769.5M 10.0 %
  • Net Income
    4.1M 19.0 %
  • Book Value
    97.2M 3.0 %
  • Book Value x2
    194.5M 3.0 %
  • Book Value x3
    291.7M 3.0 %
ROAA

.416

ROAE

4.274

Efficiency Ratio

82.531

Net Interest Margin

3.07

Balance Sheet Highlights
Financial Highlights East Cambridge Savings Bank All Insured Commercial Banks in Massachusetts
Balance Sheet $(000)
Total Assets 1,010,253 1,195,734
Total Net Loans 769,477 884,564
Total Deposits 867,513 973,316
Total Equity 97,227 117,275
Profitability
Net Income 4,142 8,869
Return on Average Assets .416 .594
Return on Average Equity 4.274 5.855
Net Interest Margin 3.07 3.257
Efficiency Ratio 82.531 73.516
Noninterest Income/Revenue 10.768 17.101
Balance Sheet Ratios
Loan-to-Deposit 88.699 91.006
Securities/Assets .125 .127
Total Equity/Total Assets .096 .098
Tangible Equity/Tangible Assets .095 .09
Capital Adequacy
Tier 1 Common Capital 102,270 108,595
Tier 1 Capital 102,270 108,997
Tier 2 Capital 4,690 9,379
Total Capital 106,960 118,886
Total Risk Weighted Assets 658,608 863,428
Leverage Ratio 10.19 10.038
Common Equity Tier 1 Capital Ratio 15.53 14.848
Tier 1 Capital Ratio 15.53 14.854
Total Capital Ratio 16.24 15.826

Timeline for East Cambridge Savings Bank

Chelsea Bank

Acquisition: East Cambridge Savings Bank acquired a new subsidiary, Chelsea Bank, 9 years

View Profile Mar 01 2015

1854 Bancorp

1854 Bancorp became a new parent organization for East Cambridge Savings Bank.

View Profile Mar 30 2013

Lee Way Realty Corporation

Lee Way Realty Corporation became a new subsidiary organization for East Cambridge Savings Bank.

View Profile Mar 29 2013

East Cambridge Savings Security Corporation

East Cambridge Savings Security Corporation became a new subsidiary organization for East Cambridge Savings Bank.

View Profile Mar 29 2013

East Cambridge Savings Bank

East Cambridge Savings Bank was established 170 years ago and is currently headquartered in Cambridge, MA.

Apr 02 1854
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Chelsea Bank Seller 56,521 Acquisition Discontinued 3/1/2015
Relationships Role Relationship Start Relationship End
1854 Bancorp Parent 3/30/2013
Lee Way Realty Corporation Subsidary 3/29/2013
East Cambridge Savings Security Corporation Subsidary 3/29/2013
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