Call reports 2003
CAMBRIDGE TRUST COMPANY — 2003
What CAMBRIDGE TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 656,925,000 | 670,952,000 | 678,733,000 | 693,193,000 |
| Total loans | 254,968,000 | 266,470,000 | 281,103,000 | 287,744,000 |
| Allowance for loan losses | 5,430,000 | 5,679,000 | 5,734,000 | 5,759,000 |
| Securities available for sale | 234,596,000 | 246,575,000 | 262,020,000 | 263,278,000 |
| Securities held to maturity | 112,113,000 | 103,291,000 | 93,441,000 | 86,501,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,547,000 | 581,627,000 | 590,593,000 | 606,650,000 |
| Interest-bearing deposits | 544,725,000 | 555,071,000 | 563,429,000 | 582,680,000 |
| Noninterest-bearing deposits | 26,822,000 | 26,556,000 | 27,164,000 | 23,970,000 |
| Equity capital | 59,365,000 | 60,964,000 | 60,201,000 | 59,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,631,000 | 15,299,000 | 22,859,000 | 30,468,000 |
| Interest expense | 985,000 | 1,942,000 | 2,867,000 | 3,736,000 |
| Net interest income | 6,646,000 | 13,357,000 | 19,992,000 | 26,732,000 |
| Noninterest income | 3,866,000 | 8,207,000 | 12,691,000 | 17,085,000 |
| Noninterest expense | 8,462,000 | 17,101,000 | 25,805,000 | 34,319,000 |
| Provision for loan losses | 240,000 | 460,000 | 610,000 | 700,000 |
| Pretax income | 1,821,000 | 4,023,000 | 6,306,000 | 8,850,000 |
| Income tax | 512,000 | 1,193,000 | 1,924,000 | 2,747,000 |
| Net income | 1,309,000 | 2,830,000 | 4,382,000 | 6,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,481,000 | 50,896,000 | 51,753,000 | 52,575,000 |
| Total capital | 53,377,000 | 54,868,000 | 55,833,000 | 56,678,000 |
| Risk-weighted assets | 310,181,000 | 316,076,000 | 324,726,000 | 326,620,000 |
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