Call reports 2006
CAMBRIDGE STATE BANK — 2006
What CAMBRIDGE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,127,000 | 91,351,000 | 95,739,000 | 99,814,000 |
| Total loans | 74,223,000 | 72,459,000 | 74,331,000 | 77,663,000 |
| Allowance for loan losses | 731,000 | 745,000 | 748,000 | 855,000 |
| Securities available for sale | 14,007,000 | 14,873,000 | 17,709,000 | 16,656,000 |
| Securities held to maturity | 757,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,084,000 | 82,600,000 | 79,137,000 | 82,834,000 |
| Interest-bearing deposits | 69,574,000 | 72,960,000 | 72,951,000 | 77,383,000 |
| Noninterest-bearing deposits | 10,510,000 | 9,640,000 | 6,186,000 | 5,451,000 |
| Equity capital | 8,457,000 | 8,453,000 | 8,830,000 | 9,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 3,067,000 | 4,656,000 | 6,320,000 |
| Interest expense | 608,000 | 1,253,000 | 1,958,000 | 2,754,000 |
| Net interest income | 950,000 | 1,814,000 | 2,698,000 | 3,566,000 |
| Noninterest income | 24,000 | 49,000 | 75,000 | 105,000 |
| Noninterest expense | 599,000 | 1,142,000 | 1,611,000 | 2,193,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 35,000 |
| Pretax income | 375,000 | 686,000 | 1,127,000 | 1,443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 375,000 | 686,000 | 1,127,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,718,000 | 8,841,000 | 8,990,000 | 9,127,000 |
| Total capital | 9,449,000 | 9,586,000 | 9,738,000 | 9,982,000 |
| Risk-weighted assets | 73,981,000 | 72,293,000 | 83,692,000 | 78,353,000 |
Machine access — free, no API key
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