Call reports 2008
CAMBRIDGE STATE BANK — 2008
What CAMBRIDGE STATE BANK 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 | 101,693,000 | 104,240,000 | 105,443,000 | 108,352,000 |
| Total loans | 81,972,000 | 84,637,000 | 87,504,000 | 89,307,000 |
| Allowance for loan losses | 1,058,000 | 1,041,000 | 1,064,000 | 1,114,000 |
| Securities available for sale | 8,902,000 | 10,332,000 | 9,292,000 | 8,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,221,000 | 83,775,000 | 84,629,000 | 87,133,000 |
| Interest-bearing deposits | 73,784,000 | 75,994,000 | 72,706,000 | 78,795,000 |
| Noninterest-bearing deposits | 7,437,000 | 7,781,000 | 11,923,000 | 8,338,000 |
| Equity capital | 8,380,000 | 8,493,000 | 8,773,000 | 8,891,000 |
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 | 1,718,000 | 3,389,000 | 5,076,000 | 6,679,000 |
| Interest expense | 878,000 | 1,702,000 | 2,525,000 | 3,297,000 |
| Net interest income | 840,000 | 1,687,000 | 2,551,000 | 3,382,000 |
| Noninterest income | 160,000 | 343,000 | 506,000 | 628,000 |
| Noninterest expense | 519,000 | 1,036,000 | 1,585,000 | 2,118,000 |
| Provision for loan losses | 30,000 | 84,000 | 114,000 | 409,000 |
| Pretax income | 451,000 | 910,000 | 1,356,000 | 1,481,000 |
| Income tax | 158,000 | 308,000 | 461,000 | 492,000 |
| Net income | 293,000 | 602,000 | 895,000 | 989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,323,000 | 8,478,000 | 8,771,000 | 8,864,000 |
| Total capital | 9,381,000 | 9,519,000 | 9,835,000 | 9,971,000 |
| Risk-weighted assets | 85,155,000 | 88,595,000 | 90,765,000 | 91,832,000 |
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