Call reports 2007
CAMBRIDGE TRUST COMPANY — 2007
What CAMBRIDGE TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 793,510,000 | 799,170,000 | 828,166,000 | 849,588,000 |
| Total loans | 363,220,000 | 379,916,000 | 406,559,000 | 418,748,000 |
| Allowance for loan losses | 6,200,000 | 6,152,000 | 6,462,000 | 6,659,000 |
| Securities available for sale | 216,041,000 | 213,313,000 | 212,671,000 | 214,360,000 |
| Securities held to maturity | 164,572,000 | 164,292,000 | 161,721,000 | 158,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 689,695,000 | 679,797,000 | 677,279,000 | 699,515,000 |
| Interest-bearing deposits | 496,789,000 | 494,043,000 | 508,227,000 | 518,912,000 |
| Noninterest-bearing deposits | 192,906,000 | 185,754,000 | 169,052,000 | 180,603,000 |
| Equity capital | 64,263,000 | 62,782,000 | 65,664,000 | 68,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,163,000 | 20,633,000 | 31,578,000 | 42,548,000 |
| Interest expense | 2,655,000 | 5,451,000 | 8,612,000 | 11,953,000 |
| Net interest income | 7,508,000 | 15,182,000 | 22,966,000 | 30,595,000 |
| Noninterest income | 3,871,000 | 8,082,000 | 12,600,000 | 16,938,000 |
| Noninterest expense | 8,165,000 | 16,490,000 | 24,918,000 | 33,583,000 |
| Provision for loan losses | 100,000 | 200,000 | 500,000 | 700,000 |
| Pretax income | 3,233,000 | 6,693,000 | 10,267,000 | 13,372,000 |
| Income tax | 989,000 | 2,114,000 | 3,261,000 | 4,129,000 |
| Net income | 2,244,000 | 4,579,000 | 7,006,000 | 9,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,853,000 | 65,201,000 | 65,603,000 | 66,263,000 |
| Total capital | 69,722,000 | 70,226,000 | 70,951,000 | 71,756,000 |
| Risk-weighted assets | 388,199,000 | 400,837,000 | 426,735,000 | 438,297,000 |
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