Call reports 2005
CAMBRIDGE STATE BANK — 2005
What CAMBRIDGE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,211,000 | 89,435,000 | 86,640,000 | 92,307,000 |
| Total loans | 65,979,000 | 67,419,000 | 67,302,000 | 73,315,000 |
| Allowance for loan losses | 947,000 | 731,000 | 729,000 | 731,000 |
| Securities available for sale | 14,775,000 | 14,583,000 | 14,505,000 | 14,900,000 |
| Securities held to maturity | 1,007,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,528,000 | 80,671,000 | 76,427,000 | 77,318,000 |
| Interest-bearing deposits | 64,863,000 | 69,471,000 | 67,666,000 | 68,081,000 |
| Noninterest-bearing deposits | 10,665,000 | 11,200,000 | 8,761,000 | 9,237,000 |
| Equity capital | 8,363,000 | 8,588,000 | 8,789,000 | 9,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,134,000 | 2,354,000 | 3,654,000 | 5,091,000 |
| Interest expense | 292,000 | 644,000 | 1,022,000 | 1,504,000 |
| Net interest income | 842,000 | 1,710,000 | 2,632,000 | 3,587,000 |
| Noninterest income | 26,000 | 56,000 | 82,000 | 118,000 |
| Noninterest expense | 539,000 | 1,063,000 | 1,557,000 | 2,137,000 |
| Provision for loan losses | 0 | 130,000 | 130,000 | 130,000 |
| Pretax income | 329,000 | 573,000 | 1,027,000 | 1,432,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 573,000 | 1,027,000 | 1,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,519,000 | 8,615,000 | 8,863,000 | 9,268,000 |
| Total capital | 9,373,000 | 9,346,000 | 9,592,000 | 9,999,000 |
| Risk-weighted assets | 68,244,000 | 69,948,000 | 70,086,000 | 74,592,000 |
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