Call reports 2019
CAMBRIDGE STATE BANK — 2019
What CAMBRIDGE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 77,156,000 | 75,824,000 | 79,198,000 | 77,071,000 |
| Total loans | 45,542,000 | 44,444,000 | 43,534,000 | 40,779,000 |
| Allowance for loan losses | 309,000 | 309,000 | 311,000 | 312,000 |
| Securities available for sale | 13,158,000 | 13,237,000 | 14,406,000 | 14,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,284,000 | 66,641,000 | 69,746,000 | 67,562,000 |
| Interest-bearing deposits | 54,097,000 | 51,713,000 | 53,557,000 | 53,083,000 |
| Noninterest-bearing deposits | 14,187,000 | 14,928,000 | 16,189,000 | 14,479,000 |
| Equity capital | 8,775,000 | 9,083,000 | 9,344,000 | 9,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,452,000 | 2,185,000 | 2,870,000 |
| Interest expense | 61,000 | 132,000 | 217,000 | 306,000 |
| Net interest income | 670,000 | 1,320,000 | 1,968,000 | 2,564,000 |
| Noninterest income | 43,000 | 83,000 | 123,000 | 160,000 |
| Noninterest expense | 548,000 | 1,093,000 | 1,558,000 | 2,087,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 310,000 | 533,000 | 637,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 165,000 | 310,000 | 533,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,943,000 | 9,088,000 | 9,311,000 | 9,415,000 |
| Total capital | 9,252,000 | 9,397,000 | 9,622,000 | 9,727,000 |
| Risk-weighted assets | 47,483,000 | 46,015,000 | 46,126,000 | 43,820,000 |