Call reports 2003
CAMBRIDGE STATE BANK — 2003
What CAMBRIDGE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 71,995,000 | 75,149,000 | 79,803,000 | 81,333,000 |
| Total loans | 52,558,000 | 52,936,000 | 59,118,000 | 60,722,000 |
| Allowance for loan losses | 920,000 | 929,000 | 956,000 | 967,000 |
| Securities available for sale | 16,343,000 | 14,789,000 | 17,166,000 | 15,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,872,000 | 65,179,000 | 64,279,000 | 66,533,000 |
| Interest-bearing deposits | 55,519,000 | 59,572,000 | 57,378,000 | 60,504,000 |
| Noninterest-bearing deposits | 5,353,000 | 5,607,000 | 6,901,000 | 6,029,000 |
| Equity capital | 9,544,000 | 9,860,000 | 8,915,000 | 9,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,075,000 | 2,104,000 | 3,191,000 | 4,238,000 |
| Interest expense | 337,000 | 629,000 | 896,000 | 1,160,000 |
| Net interest income | 738,000 | 1,475,000 | 2,295,000 | 3,078,000 |
| Noninterest income | 28,000 | 75,000 | 113,000 | 147,000 |
| Noninterest expense | 518,000 | 995,000 | 1,471,000 | 1,922,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 135,000 |
| Pretax income | 248,000 | 555,000 | 922,000 | 1,168,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 248,000 | 555,000 | 922,000 | 1,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,309,000 | 9,617,000 | 8,875,000 | 9,121,000 |
| Total capital | 10,013,000 | 10,356,000 | 9,669,000 | 9,925,000 |
| Risk-weighted assets | 56,080,000 | 58,948,000 | 63,343,000 | 64,195,000 |
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