Call reports 2004
CAMBRIDGE STATE BANK — 2004
What CAMBRIDGE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 77,233,000 | 74,606,000 | 80,286,000 | 83,225,000 |
| Total loans | 58,345,000 | 57,055,000 | 60,635,000 | 64,016,000 |
| Allowance for loan losses | 1,004,000 | 1,003,000 | 930,000 | 932,000 |
| Securities available for sale | 15,939,000 | 14,494,000 | 15,332,000 | 14,936,000 |
| Securities held to maturity | 0 | 0 | 994,000 | 963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,935,000 | 63,989,000 | 68,173,000 | 70,077,000 |
| Interest-bearing deposits | 57,595,000 | 58,315,000 | 60,738,000 | 63,568,000 |
| Noninterest-bearing deposits | 6,340,000 | 5,674,000 | 7,435,000 | 6,509,000 |
| Equity capital | 8,487,000 | 8,365,000 | 8,682,000 | 8,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,076,000 | 3,086,000 | 4,166,000 |
| Interest expense | 251,000 | 497,000 | 740,000 | 1,000,000 |
| Net interest income | 798,000 | 1,579,000 | 2,346,000 | 3,166,000 |
| Noninterest income | 34,000 | 71,000 | 109,000 | 149,000 |
| Noninterest expense | 543,000 | 1,030,000 | 1,516,000 | 2,034,000 |
| Provision for loan losses | 11,000 | 11,000 | 61,000 | 61,000 |
| Pretax income | 278,000 | 609,000 | 878,000 | 1,220,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 278,000 | 609,000 | 878,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,380,000 | 8,487,000 | 8,612,000 | 8,842,000 |
| Total capital | 9,154,000 | 9,274,000 | 9,417,000 | 9,685,000 |
| Risk-weighted assets | 61,721,000 | 62,764,000 | 64,301,000 | 67,317,000 |
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