Call reports 2018
CAMBRIDGE STATE BANK — 2018
What CAMBRIDGE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 71,619,000 | 77,181,000 | 78,408,000 | 79,378,000 |
| Total loans | 45,720,000 | 44,826,000 | 44,326,000 | 46,622,000 |
| Allowance for loan losses | 482,000 | 483,000 | 308,000 | 308,000 |
| Securities available for sale | 14,475,000 | 13,994,000 | 13,213,000 | 13,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,103,000 | 68,838,000 | 70,310,000 | 70,893,000 |
| Interest-bearing deposits | 50,211,000 | 56,004,000 | 56,393,000 | 55,857,000 |
| Noninterest-bearing deposits | 12,892,000 | 12,834,000 | 13,917,000 | 15,036,000 |
| Equity capital | 8,423,000 | 8,250,000 | 8,002,000 | 8,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 639,000 | 1,299,000 | 2,004,000 | 2,735,000 |
| Interest expense | 34,000 | 69,000 | 107,000 | 156,000 |
| Net interest income | 605,000 | 1,230,000 | 1,897,000 | 2,579,000 |
| Noninterest income | 39,000 | -192,000 | -188,000 | -152,000 |
| Noninterest expense | 516,000 | 1,035,000 | 1,527,000 | 2,038,000 |
| Provision for loan losses | 0 | 0 | 372,000 | 372,000 |
| Pretax income | 128,000 | 3,000 | -190,000 | 17,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 128,000 | 3,000 | -190,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,889,000 | 8,764,000 | 8,571,000 | 8,778,000 |
| Total capital | 9,371,000 | 9,247,000 | 8,879,000 | 9,086,000 |
| Risk-weighted assets | 48,727,000 | 46,955,000 | 45,235,000 | 46,854,000 |