East Cambridge Savings Bank

East Cambridge Savings Bank is headquartered in Cambridge and is the 35^th largest bank in the state of Massachusetts. It is also the 799^th largest bank in the nation. It was established in 1854 and as of December of 2012, it had grown to 150 employees at 9 locations. East Cambridge Savings Bank's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics East Cambridge Savings Bank FDIC Certificate # 90173 BankRate Report View Year Established 1854 Employees 150 Primary Regulator FED Assets and Liabilities Assets $831.15 million Loans $537.86 million Deposits $715.44 million Equity Capital $85.74 million Loan Loss Allowance $4.05 million Unbacked Noncurrent Loans $4.92 million Real Estate Owned $182,000 Historic Data - December 2011 Assets $803.59 million Equity Capital $83.72 million Loan Loss Allowance $3.83 million Unbacked Noncurrent Loans $3.57 million Real Estate Owned $192,000 Profit Margin - Quarterly Net Interest Margin 3.29% Return on Assets 0.43% Return on Equity 4.13% Interest Income $29.77 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 East Cambridge Savings Bank had $5.11 million in non-current loans and owned real-estate with $89.78 million in equity and loan loss allowances on hand to cover it. This gives East Cambridge Savings Bank a Texas Ratio of 5.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for East Cambridge Savings Bank held steady from 4.29% as of December 31, 2011 to 5.69% as of December 31, 2012, resulting in a negative change of 32.52%. This indicates that the balance sheet and financial strength for East Cambridge Savings Bank has held steady in recent periods. Deposit Growth In the past year, East Cambridge Savings Bank has increased its total deposits by $24.79 million, resulting in 3.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth East Cambridge Savings Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. East Cambridge Savings Bank has $831.15 million in assets with $89.78 million in equity, resulting in a capitalization level of 10.80%, which is above average.