Call reports 2023
CAMBRIDGE STATE BANK — 2023
What CAMBRIDGE STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 88,944,000 | 87,289,000 | 87,197,000 | 86,565,000 |
| Total loans | 46,099,000 | 49,121,000 | 49,650,000 | 48,219,000 |
| Allowance for loan losses | 326,000 | 326,000 | 326,000 | 326,000 |
| Securities available for sale | 26,394,000 | 25,767,000 | 24,451,000 | 16,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,914,000 | 80,422,000 | 80,240,000 | 79,080,000 |
| Interest-bearing deposits | 61,111,000 | 60,484,000 | 59,814,000 | 59,573,000 |
| Noninterest-bearing deposits | 20,803,000 | 19,938,000 | 20,426,000 | 19,507,000 |
| Equity capital | 6,963,000 | 6,779,000 | 6,853,000 | 7,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,588,000 | 2,457,000 | 3,373,000 |
| Interest expense | 36,000 | 102,000 | 191,000 | 311,000 |
| Net interest income | 749,000 | 1,486,000 | 2,266,000 | 3,062,000 |
| Noninterest income | 41,000 | -8,000 | 34,000 | 72,000 |
| Noninterest expense | 581,000 | 1,130,000 | 1,665,000 | 2,427,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 348,000 | 601,000 | -486,000 |
| Income tax | 0 | 3,000 | 15,000 | 26,000 |
| Net income | 209,000 | 345,000 | 586,000 | -512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,152,000 | 9,288,000 | 9,529,000 | 8,431,000 |