Call reports 2007
CAMBRIDGE STATE BANK — 2007
What CAMBRIDGE STATE BANK 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 | 90,676,000 | 94,641,000 | 97,746,000 | 99,873,000 |
| Total loans | 75,344,000 | 78,534,000 | 80,912,000 | 82,223,000 |
| Allowance for loan losses | 866,000 | 903,000 | 948,000 | 1,028,000 |
| Securities available for sale | 7,157,000 | 7,158,000 | 6,973,000 | 5,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,785,000 | 77,255,000 | 77,917,000 | 79,814,000 |
| Interest-bearing deposits | 70,965,000 | 68,319,000 | 69,344,000 | 72,011,000 |
| Noninterest-bearing deposits | 8,820,000 | 8,936,000 | 8,573,000 | 7,803,000 |
| Equity capital | 7,490,000 | 7,510,000 | 7,819,000 | 8,056,000 |
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 | 1,667,000 | 3,329,000 | 5,081,000 | 6,848,000 |
| Interest expense | 778,000 | 1,589,000 | 2,461,000 | 3,354,000 |
| Net interest income | 889,000 | 1,740,000 | 2,620,000 | 3,494,000 |
| Noninterest income | 112,000 | 215,000 | 344,000 | 496,000 |
| Noninterest expense | 511,000 | 996,000 | 1,529,000 | 2,097,000 |
| Provision for loan losses | 45,000 | 81,000 | 126,000 | 206,000 |
| Pretax income | 445,000 | 878,000 | 1,309,000 | 1,687,000 |
| Income tax | 175,000 | 359,000 | 509,000 | 655,000 |
| Net income | 270,000 | 519,000 | 800,000 | 1,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,488,000 | 7,517,000 | 7,797,000 | 8,030,000 |
| Total capital | 8,354,000 | 8,420,000 | 8,745,000 | 9,058,000 |
| Risk-weighted assets | 73,287,000 | 75,645,000 | 80,730,000 | 82,513,000 |
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