Call reports 2011
CAMBRIDGE STATE BANK — 2011
What CAMBRIDGE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 81,297,000 | 77,321,000 | 74,736,000 | 74,057,000 |
| Total loans | 60,258,000 | 56,393,000 | 52,970,000 | 54,272,000 |
| Allowance for loan losses | 1,485,000 | 1,562,000 | 1,505,000 | 1,425,000 |
| Securities available for sale | 12,965,000 | 12,637,000 | 12,073,000 | 11,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,488,000 | 63,854,000 | 62,398,000 | 61,981,000 |
| Interest-bearing deposits | 62,555,000 | 58,773,000 | 55,822,000 | 55,370,000 |
| Noninterest-bearing deposits | 4,933,000 | 5,081,000 | 6,576,000 | 6,611,000 |
| Equity capital | 8,497,000 | 8,667,000 | 8,725,000 | 8,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,006,000 | 1,933,000 | 2,910,000 | 3,715,000 |
| Interest expense | 191,000 | 359,000 | 496,000 | 617,000 |
| Net interest income | 815,000 | 1,574,000 | 2,414,000 | 3,098,000 |
| Noninterest income | 87,000 | 129,000 | 101,000 | 142,000 |
| Noninterest expense | 648,000 | 1,348,000 | 1,936,000 | 2,578,000 |
| Provision for loan losses | 100,000 | 200,000 | 433,000 | 717,000 |
| Pretax income | 154,000 | 200,000 | 191,000 | -9,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 154,000 | 200,000 | 191,000 | -9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,362,000 | 8,408,000 | 8,399,000 | 8,199,000 |
| Total capital | 9,119,000 | 9,125,000 | 9,083,000 | 8,887,000 |
| Risk-weighted assets | 59,824,000 | 56,548,000 | 53,933,000 | 54,300,000 |