Call reports 2021
CAMBRIDGE STATE BANK — 2021
What CAMBRIDGE STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 88,662,000 | 89,201,000 | 90,696,000 | 91,474,000 |
| Total loans | 44,466,000 | 44,267,000 | 44,116,000 | 44,029,000 |
| Allowance for loan losses | 320,000 | 322,000 | 321,000 | 324,000 |
| Securities available for sale | 18,328,000 | 22,939,000 | 23,759,000 | 25,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,323,000 | 79,727,000 | 81,113,000 | 82,701,000 |
| Interest-bearing deposits | 59,124,000 | 59,356,000 | 61,114,000 | 61,878,000 |
| Noninterest-bearing deposits | 20,199,000 | 20,371,000 | 19,999,000 | 20,823,000 |
| Equity capital | 9,278,000 | 9,416,000 | 9,526,000 | 8,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,424,000 | 2,009,000 | 2,576,000 |
| Interest expense | 32,000 | 59,000 | 80,000 | 95,000 |
| Net interest income | 764,000 | 1,365,000 | 1,929,000 | 2,481,000 |
| Noninterest income | 42,000 | 83,000 | 122,000 | 163,000 |
| Noninterest expense | 538,000 | 1,047,000 | 1,514,000 | 2,058,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 268,000 | 428,000 | 563,000 | 612,000 |
| Income tax | 0 | 0 | 0 | 64,000 |
| Net income | 268,000 | 428,000 | 563,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,069,000 | 9,229,000 | 9,364,000 | 8,774,000 |