Call reports 2015
CAMBRIDGE TRUST COMPANY — 2015
What CAMBRIDGE TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,610,097,000 | 1,665,223,000 | 1,687,143,000 | 1,706,202,000 |
| Total loans | 1,099,402,000 | 1,159,790,000 | 1,191,559,000 | 1,192,214,000 |
| Allowance for loan losses | 14,562,000 | 15,156,000 | 15,264,000 | 15,191,000 |
| Securities available for sale | 351,359,000 | 344,254,000 | 335,730,000 | 347,173,000 |
| Securities held to maturity | 80,419,000 | 80,615,000 | 82,267,000 | 83,063,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,389,473,000 | 1,396,201,000 | 1,484,998,000 | 1,562,993,000 |
| Interest-bearing deposits | 1,130,535,000 | 1,138,541,000 | 1,208,618,000 | 1,287,285,000 |
| Noninterest-bearing deposits | 258,938,000 | 257,660,000 | 276,380,000 | 275,708,000 |
| Equity capital | 115,116,000 | 115,959,000 | 119,756,000 | 119,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 13,042,000 | 26,362,000 | 40,285,000 | 54,341,000 |
| Interest expense | 541,000 | 1,107,000 | 1,835,000 | 2,694,000 |
| Net interest income | 12,501,000 | 25,255,000 | 38,450,000 | 51,647,000 |
| Noninterest income | 5,913,000 | 12,205,000 | 18,681,000 | 25,174,000 |
| Noninterest expense | 13,007,000 | 26,096,000 | 39,212,000 | 53,191,000 |
| Provision for loan losses | 325,000 | 950,000 | 1,075,000 | 1,075,000 |
| Pretax income | 5,534,000 | 11,085,000 | 17,534,000 | 23,245,000 |
| Income tax | 1,801,000 | 3,616,000 | 5,711,000 | 7,551,000 |
| Net income | 3,733,000 | 7,469,000 | 11,823,000 | 15,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,664,000 | 122,678,000 | 125,352,000 | 127,240,000 |
| Total capital | 133,483,000 | 136,073,000 | 139,185,000 | 141,341,000 |
| Risk-weighted assets | 1,023,786,000 | 1,069,845,000 | 1,105,210,000 | 1,126,993,000 |