Call reports 2007
CAMBRIDGE STATE BANK — 2007
What CAMBRIDGE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 96,713,000 | 95,758,000 | 91,005,000 | 95,434,000 |
| Total loans | 73,806,000 | 73,514,000 | 71,141,000 | 74,979,000 |
| Allowance for loan losses | 848,000 | 847,000 | 847,000 | 799,000 |
| Securities available for sale | 16,181,000 | 15,515,000 | 14,812,000 | 16,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,604,000 | 86,509,000 | 81,716,000 | 76,059,000 |
| Interest-bearing deposits | 79,590,000 | 80,893,000 | 76,305,000 | 70,859,000 |
| Noninterest-bearing deposits | 6,014,000 | 5,616,000 | 5,411,000 | 5,200,000 |
| Equity capital | 8,649,000 | 8,733,000 | 8,751,000 | 8,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,329,000 | 4,989,000 | 6,560,000 |
| Interest expense | 844,000 | 1,682,000 | 2,498,000 | 3,283,000 |
| Net interest income | 829,000 | 1,647,000 | 2,491,000 | 3,277,000 |
| Noninterest income | 21,000 | 53,000 | 90,000 | 115,000 |
| Noninterest expense | 593,000 | 1,134,000 | 1,603,000 | 2,163,000 |
| Provision for loan losses | 0 | 0 | 0 | -40,000 |
| Pretax income | 257,000 | 566,000 | 978,000 | 1,269,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 566,000 | 978,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,708,000 | 8,858,000 | 8,837,000 | 9,034,000 |
| Total capital | 9,556,000 | 9,705,000 | 9,684,000 | 9,833,000 |
| Risk-weighted assets | 74,745,000 | 75,483,000 | 72,022,000 | 76,890,000 |
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