Call reports 2016
CAMBRIDGE STATE BANK — 2016
What CAMBRIDGE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 67,108,000 | 68,445,000 | 71,023,000 | 70,526,000 |
| Total loans | 39,363,000 | 40,591,000 | 40,723,000 | 42,057,000 |
| Allowance for loan losses | 385,000 | 387,000 | 494,000 | 494,000 |
| Securities available for sale | 13,040,000 | 13,299,000 | 13,145,000 | 13,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,779,000 | 59,133,000 | 61,696,000 | 61,513,000 |
| Interest-bearing deposits | 47,010,000 | 46,484,000 | 47,392,000 | 47,698,000 |
| Noninterest-bearing deposits | 10,769,000 | 12,649,000 | 14,304,000 | 13,815,000 |
| Equity capital | 9,212,000 | 9,196,000 | 9,211,000 | 8,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 625,000 | 1,229,000 | 1,850,000 | 2,494,000 |
| Interest expense | 32,000 | 65,000 | 99,000 | 132,000 |
| Net interest income | 593,000 | 1,164,000 | 1,751,000 | 2,362,000 |
| Noninterest income | 287,000 | 357,000 | 393,000 | 455,000 |
| Noninterest expense | 525,000 | 1,067,000 | 1,595,000 | 2,145,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 355,000 | 456,000 | 451,000 | 574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 355,000 | 456,000 | 451,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,097,000 | 9,018,000 | 9,013,000 | 9,136,000 |
| Total capital | 9,482,000 | 9,405,000 | 9,507,000 | 9,630,000 |
| Risk-weighted assets | 42,460,000 | 44,035,000 | 44,591,000 | 44,829,000 |