Call reports 2012
CAMBRIDGE STATE BANK — 2012
What CAMBRIDGE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 72,802,000 | 71,808,000 | 71,647,000 | 71,203,000 |
| Total loans | 52,885,000 | 51,225,000 | 50,555,000 | 49,130,000 |
| Allowance for loan losses | 1,491,000 | 896,000 | 890,000 | 741,000 |
| Securities available for sale | 10,656,000 | 11,293,000 | 11,195,000 | 10,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,205,000 | 60,095,000 | 59,583,000 | 59,214,000 |
| Interest-bearing deposits | 53,613,000 | 47,618,000 | 46,852,000 | 51,203,000 |
| Noninterest-bearing deposits | 6,592,000 | 12,477,000 | 12,731,000 | 8,011,000 |
| Equity capital | 8,412,000 | 8,563,000 | 8,736,000 | 8,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 803,000 | 1,599,000 | 2,355,000 | 3,117,000 |
| Interest expense | 96,000 | 171,000 | 233,000 | 291,000 |
| Net interest income | 707,000 | 1,428,000 | 2,122,000 | 2,826,000 |
| Noninterest income | 9,000 | 34,000 | 65,000 | 127,000 |
| Noninterest expense | 705,000 | 1,251,000 | 1,857,000 | 2,434,000 |
| Provision for loan losses | 100,000 | 175,000 | 165,000 | 165,000 |
| Pretax income | -89,000 | 36,000 | 165,000 | 373,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -89,000 | 36,000 | 165,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,110,000 | 8,235,000 | 8,364,000 | 8,572,000 |
| Total capital | 8,779,000 | 8,881,000 | 9,009,000 | 9,204,000 |
| Risk-weighted assets | 52,716,000 | 51,467,000 | 51,330,000 | 50,174,000 |