Call reports 2016
CAMBRIDGE TRUST COMPANY — 2016
What CAMBRIDGE TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,771,193,000 | 1,773,754,000 | 1,801,056,000 | 1,848,999,000 |
| Total loans | 1,220,348,000 | 1,272,852,000 | 1,315,289,000 | 1,326,661,000 |
| Allowance for loan losses | 15,259,000 | 15,411,000 | 15,537,000 | 15,261,000 |
| Securities available for sale | 363,262,000 | 334,853,000 | 322,736,000 | 325,641,000 |
| Securities held to maturity | 84,535,000 | 83,594,000 | 84,943,000 | 82,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,624,525,000 | 1,606,497,000 | 1,628,172,000 | 1,688,252,000 |
| Interest-bearing deposits | 1,328,757,000 | 1,135,886,000 | 1,172,142,000 | 1,213,115,000 |
| Noninterest-bearing deposits | 295,768,000 | 470,611,000 | 456,030,000 | 475,137,000 |
| Equity capital | 123,721,000 | 128,790,000 | 132,319,000 | 132,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 14,061,000 | 28,050,000 | 42,365,000 | 57,027,000 |
| Interest expense | 925,000 | 1,797,000 | 2,592,000 | 3,355,000 |
| Net interest income | 13,136,000 | 26,253,000 | 39,773,000 | 53,672,000 |
| Noninterest income | 6,324,000 | 13,334,000 | 20,946,000 | 28,223,000 |
| Noninterest expense | 13,991,000 | 27,993,000 | 42,155,000 | 56,749,000 |
| Provision for loan losses | 75,000 | 225,000 | 338,000 | 132,000 |
| Pretax income | 5,738,000 | 11,804,000 | 18,663,000 | 25,452,000 |
| Income tax | 1,860,000 | 3,906,000 | 6,190,000 | 8,556,000 |
| Net income | 3,878,000 | 7,898,000 | 12,473,000 | 16,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,274,000 | 133,449,000 | 137,167,000 | 141,790,000 |
| Total capital | 143,675,000 | 148,694,000 | 152,704,000 | 156,928,000 |
| Risk-weighted assets | 1,151,194,000 | 1,219,409,000 | 1,257,835,000 | 1,210,907,000 |