Call reports 2015
CAMBRIDGE STATE BANK — 2015
What CAMBRIDGE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 64,518,000 | 65,821,000 | 66,400,000 | 67,413,000 |
| Total loans | 39,523,000 | 39,655,000 | 39,564,000 | 39,544,000 |
| Allowance for loan losses | 507,000 | 410,000 | 413,000 | 384,000 |
| Securities available for sale | 12,546,000 | 12,055,000 | 11,405,000 | 12,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,603,000 | 57,020,000 | 57,263,000 | 58,346,000 |
| Interest-bearing deposits | 44,884,000 | 45,365,000 | 46,342,000 | 47,314,000 |
| Noninterest-bearing deposits | 10,719,000 | 11,655,000 | 10,921,000 | 11,032,000 |
| Equity capital | 8,739,000 | 8,636,000 | 8,973,000 | 8,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 607,000 | 1,223,000 | 1,849,000 | 2,449,000 |
| Interest expense | 34,000 | 66,000 | 97,000 | 131,000 |
| Net interest income | 573,000 | 1,157,000 | 1,752,000 | 2,318,000 |
| Noninterest income | 92,000 | 101,000 | 273,000 | 325,000 |
| Noninterest expense | 583,000 | 1,095,000 | 1,627,000 | 2,181,000 |
| Provision for loan losses | 0 | -100,000 | -100,000 | -130,000 |
| Pretax income | 82,000 | 263,000 | 499,000 | 593,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 263,000 | 499,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,554,000 | 8,610,000 | 8,846,000 | 8,940,000 |
| Total capital | 9,061,000 | 9,020,000 | 9,259,000 | 9,324,000 |
| Risk-weighted assets | 43,640,000 | 42,424,000 | 41,722,000 | 42,251,000 |