Call reports 2005
CAMBRIDGE TRUST COMPANY — 2005
What CAMBRIDGE TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 720,760,000 | 725,803,000 | 737,637,000 | 743,124,000 |
| Total loans | 299,553,000 | 301,751,000 | 320,422,000 | 332,602,000 |
| Allowance for loan losses | 5,643,000 | 5,758,000 | 5,883,000 | 5,866,000 |
| Securities available for sale | 176,172,000 | 171,993,000 | 200,883,000 | 196,086,000 |
| Securities held to maturity | 188,237,000 | 182,241,000 | 175,634,000 | 173,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 650,101,000 | 653,649,000 | 650,407,000 | 663,158,000 |
| Interest-bearing deposits | 615,481,000 | 617,886,000 | 618,773,000 | 626,307,000 |
| Noninterest-bearing deposits | 34,620,000 | 35,763,000 | 31,634,000 | 36,851,000 |
| Equity capital | 60,646,000 | 63,826,000 | 63,342,000 | 60,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,217,000 | 16,627,000 | 25,502,000 | 34,685,000 |
| Interest expense | 819,000 | 1,908,000 | 3,063,000 | 4,564,000 |
| Net interest income | 7,398,000 | 14,719,000 | 22,439,000 | 30,121,000 |
| Noninterest income | 4,050,000 | 8,415,000 | 13,159,000 | 17,785,000 |
| Noninterest expense | 8,766,000 | 17,852,000 | 26,813,000 | 35,886,000 |
| Provision for loan losses | 40,000 | 160,000 | 200,000 | 200,000 |
| Pretax income | 2,644,000 | 5,241,000 | 8,707,000 | 11,948,000 |
| Income tax | 933,000 | 1,838,000 | 3,107,000 | 4,224,000 |
| Net income | 1,711,000 | 3,403,000 | 5,600,000 | 7,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,332,000 | 59,664,000 | 61,355,000 | 59,913,000 |
| Total capital | 62,526,000 | 64,082,000 | 65,775,000 | 64,454,000 |
| Risk-weighted assets | 334,036,000 | 352,078,000 | 352,166,000 | 361,961,000 |
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