Call reports 2008
CAMBRIDGE TRUST COMPANY — 2008
What CAMBRIDGE TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 865,095,000 | 893,547,000 | 896,628,000 | 917,212,000 |
| Total loans | 428,805,000 | 448,790,000 | 462,966,000 | 471,814,000 |
| Allowance for loan losses | 6,933,000 | 7,201,000 | 7,475,000 | 7,696,000 |
| Securities available for sale | 246,178,000 | 271,035,000 | 266,947,000 | 271,905,000 |
| Securities held to maturity | 120,754,000 | 120,186,000 | 114,213,000 | 105,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 726,836,000 | 739,758,000 | 749,218,000 | 769,177,000 |
| Interest-bearing deposits | 576,848,000 | 551,206,000 | 575,360,000 | 577,153,000 |
| Noninterest-bearing deposits | 149,988,000 | 188,552,000 | 173,858,000 | 192,024,000 |
| Equity capital | 72,172,000 | 68,805,000 | 70,458,000 | 74,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,921,000 | 22,006,000 | 33,456,000 | 44,782,000 |
| Interest expense | 3,005,000 | 5,572,000 | 8,078,000 | 10,447,000 |
| Net interest income | 7,916,000 | 16,434,000 | 25,378,000 | 34,335,000 |
| Noninterest income | 4,113,000 | 8,315,000 | 12,847,000 | 16,598,000 |
| Noninterest expense | 8,647,000 | 17,562,000 | 26,973,000 | 36,267,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 3,290,000 | 6,932,000 | 10,748,000 | 13,918,000 |
| Income tax | 979,000 | 2,091,000 | 3,375,000 | 4,305,000 |
| Net income | 2,311,000 | 4,841,000 | 7,373,000 | 9,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,538,000 | 68,069,000 | 68,958,000 | 69,992,000 |
| Total capital | 73,073,000 | 73,846,000 | 74,811,000 | 75,988,000 |
| Risk-weighted assets | 441,385,000 | 460,743,000 | 466,590,000 | 477,959,000 |
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