Call reports 2020
CAMBRIDGE STATE BANK — 2020
What CAMBRIDGE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 75,967,000 | 85,891,000 | 89,217,000 | 87,769,000 |
| Total loans | 41,828,000 | 47,998,000 | 48,473,000 | 45,651,000 |
| Allowance for loan losses | 313,000 | 315,000 | 316,000 | 318,000 |
| Securities available for sale | 17,743,000 | 17,111,000 | 16,328,000 | 14,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,249,000 | 75,911,000 | 79,233,000 | 78,189,000 |
| Interest-bearing deposits | 54,848,000 | 58,274,000 | 60,891,000 | 60,670,000 |
| Noninterest-bearing deposits | 12,401,000 | 17,637,000 | 18,342,000 | 17,519,000 |
| Equity capital | 8,623,000 | 9,298,000 | 9,311,000 | 9,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,564,000 | 2,213,000 | 2,798,000 |
| Interest expense | 84,000 | 156,000 | 213,000 | 255,000 |
| Net interest income | 582,000 | 1,408,000 | 2,000,000 | 2,543,000 |
| Noninterest income | -656,000 | -621,000 | -581,000 | -362,000 |
| Noninterest expense | 534,000 | 1,031,000 | 1,494,000 | 1,992,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -599,000 | -235,000 | -53,000 | 211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -599,000 | -235,000 | -53,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,541,000 | 8,905,000 | 8,912,000 | 9,101,000 |