Call reports 2013
CAMBRIDGE STATE BANK — 2013
What CAMBRIDGE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 69,832,000 | 68,866,000 | 68,526,000 | 68,863,000 |
| Total loans | 46,042,000 | 43,717,000 | 39,711,000 | 40,892,000 |
| Allowance for loan losses | 819,000 | 817,000 | 708,000 | 712,000 |
| Securities available for sale | 10,083,000 | 9,519,000 | 10,837,000 | 11,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,874,000 | 58,393,000 | 58,049,000 | 58,423,000 |
| Interest-bearing deposits | 50,062,000 | 49,900,000 | 49,101,000 | 49,537,000 |
| Noninterest-bearing deposits | 7,812,000 | 8,493,000 | 8,948,000 | 8,886,000 |
| Equity capital | 8,725,000 | 8,073,000 | 8,079,000 | 8,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 702,000 | 1,349,000 | 1,968,000 | 2,622,000 |
| Interest expense | 54,000 | 107,000 | 151,000 | 198,000 |
| Net interest income | 648,000 | 1,242,000 | 1,817,000 | 2,424,000 |
| Noninterest income | 64,000 | 99,000 | 155,000 | 75,000 |
| Noninterest expense | 686,000 | 1,307,000 | 1,906,000 | 2,479,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | -55,000 |
| Pretax income | -49,000 | -39,000 | -7,000 | 77,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -49,000 | -39,000 | -7,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,523,000 | 8,033,000 | 8,065,000 | 8,149,000 |
| Total capital | 9,119,000 | 8,608,000 | 8,614,000 | 8,701,000 |
| Risk-weighted assets | 47,471,000 | 45,737,000 | 43,743,000 | 43,965,000 |