Call reports 2004
CAMBRIDGE TRUST COMPANY — 2004
What CAMBRIDGE TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 705,134,000 | 720,682,000 | 741,387,000 | 723,195,000 |
| Total loans | 288,195,000 | 291,444,000 | 294,011,000 | 292,789,000 |
| Allowance for loan losses | 5,610,000 | 5,737,000 | 5,788,000 | 5,532,000 |
| Securities available for sale | 277,731,000 | 205,164,000 | 237,904,000 | 171,621,000 |
| Securities held to maturity | 79,937,000 | 149,260,000 | 144,714,000 | 185,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,953,000 | 652,455,000 | 668,071,000 | 648,752,000 |
| Interest-bearing deposits | 602,531,000 | 617,567,000 | 642,129,000 | 611,408,000 |
| Noninterest-bearing deposits | 29,422,000 | 34,888,000 | 25,942,000 | 37,344,000 |
| Equity capital | 63,054,000 | 58,878,000 | 60,204,000 | 61,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,408,000 | 15,102,000 | 23,122,000 | 31,243,000 |
| Interest expense | 650,000 | 1,352,000 | 2,081,000 | 2,836,000 |
| Net interest income | 6,758,000 | 13,750,000 | 21,041,000 | 28,407,000 |
| Noninterest income | 4,439,000 | 8,931,000 | 13,625,000 | 19,092,000 |
| Noninterest expense | 8,472,000 | 17,128,000 | 25,822,000 | 34,472,000 |
| Provision for loan losses | 175,000 | 325,000 | 400,000 | 475,000 |
| Pretax income | 2,729,000 | 5,488,000 | 8,738,000 | 12,864,000 |
| Income tax | 955,000 | 1,950,000 | 3,120,000 | 4,680,000 |
| Net income | 1,774,000 | 3,538,000 | 5,618,000 | 8,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,692,000 | 55,667,000 | 54,899,000 | 57,107,000 |
| Total capital | 58,806,000 | 59,836,000 | 59,089,000 | 61,246,000 |
| Risk-weighted assets | 327,632,000 | 331,914,000 | 333,597,000 | 329,729,000 |
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