Call reports 2008
CAMBRIDGE STATE BANK — 2008
What CAMBRIDGE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 96,557,000 | 98,568,000 | 97,917,000 | 98,462,000 |
| Total loans | 76,323,000 | 76,982,000 | 76,883,000 | 78,764,000 |
| Allowance for loan losses | 694,000 | 734,000 | 744,000 | 812,000 |
| Securities available for sale | 14,547,000 | 15,553,000 | 15,732,000 | 14,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,548,000 | 67,164,000 | 72,328,000 | 70,656,000 |
| Interest-bearing deposits | 64,898,000 | 61,656,000 | 67,191,000 | 65,565,000 |
| Noninterest-bearing deposits | 5,650,000 | 5,508,000 | 5,137,000 | 5,091,000 |
| Equity capital | 8,724,000 | 8,739,000 | 8,916,000 | 9,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,070,000 | 4,543,000 | 6,015,000 |
| Interest expense | 709,000 | 1,347,000 | 1,940,000 | 2,477,000 |
| Net interest income | 837,000 | 1,723,000 | 2,603,000 | 3,538,000 |
| Noninterest income | 37,000 | 126,000 | 171,000 | 136,000 |
| Noninterest expense | 560,000 | 1,121,000 | 1,613,000 | 2,180,000 |
| Provision for loan losses | 0 | 40,000 | 50,000 | 119,000 |
| Pretax income | 314,000 | 688,000 | 1,111,000 | 1,375,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 688,000 | 1,111,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,562,000 | 8,786,000 | 8,860,000 | 8,971,000 |
| Total capital | 9,256,000 | 9,520,000 | 9,604,000 | 9,783,000 |
| Risk-weighted assets | 77,359,000 | 76,449,000 | 76,127,000 | 77,692,000 |
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