Call reports 2009
CAMBRIDGE STATE BANK — 2009
What CAMBRIDGE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 98,070,000 | 95,911,000 | 95,306,000 | 92,850,000 |
| Total loans | 78,035,000 | 75,754,000 | 73,746,000 | 72,521,000 |
| Allowance for loan losses | 884,000 | 930,000 | 1,048,000 | 1,035,000 |
| Securities available for sale | 14,467,000 | 14,762,000 | 15,094,000 | 14,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,857,000 | 71,887,000 | 71,437,000 | 72,777,000 |
| Interest-bearing deposits | 69,555,000 | 67,165,000 | 66,371,000 | 67,459,000 |
| Noninterest-bearing deposits | 5,302,000 | 4,722,000 | 5,066,000 | 5,318,000 |
| Equity capital | 8,731,000 | 8,939,000 | 9,111,000 | 8,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,532,000 | 2,911,000 | 4,264,000 | 5,576,000 |
| Interest expense | 477,000 | 877,000 | 1,251,000 | 1,589,000 |
| Net interest income | 1,055,000 | 2,034,000 | 3,013,000 | 3,987,000 |
| Noninterest income | 50,000 | 104,000 | 148,000 | 188,000 |
| Noninterest expense | 606,000 | 1,210,000 | 1,814,000 | 2,405,000 |
| Provision for loan losses | 240,000 | 380,000 | 565,000 | 1,248,000 |
| Pretax income | 259,000 | 548,000 | 827,000 | 721,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 259,000 | 548,000 | 827,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,489,000 | 8,631,000 | 8,763,000 | 8,623,000 |
| Total capital | 9,373,000 | 9,546,000 | 9,694,000 | 9,527,000 |
| Risk-weighted assets | 77,826,000 | 75,716,000 | 74,409,000 | 72,161,000 |
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