Call reports 2009
CAMBRIDGE STATE BANK — 2009
What CAMBRIDGE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 110,625,000 | 106,872,000 | 110,594,000 | 108,827,000 |
| Total loans | 91,040,000 | 91,778,000 | 93,094,000 | 88,340,000 |
| Allowance for loan losses | 1,174,000 | 1,395,000 | 3,970,000 | 7,705,000 |
| Securities available for sale | 9,547,000 | 5,915,000 | 5,242,000 | 5,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,011,000 | 84,504,000 | 89,007,000 | 90,172,000 |
| Interest-bearing deposits | 81,244,000 | 76,144,000 | 81,928,000 | 81,989,000 |
| Noninterest-bearing deposits | 7,767,000 | 8,360,000 | 7,079,000 | 8,183,000 |
| Equity capital | 9,163,000 | 9,349,000 | 10,552,000 | 7,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,602,000 | 3,151,000 | 4,690,000 | 6,087,000 |
| Interest expense | 707,000 | 1,374,000 | 2,012,000 | 2,621,000 |
| Net interest income | 895,000 | 1,777,000 | 2,678,000 | 3,466,000 |
| Noninterest income | 174,000 | 405,000 | 546,000 | 723,000 |
| Noninterest expense | 575,000 | 1,182,000 | 1,863,000 | 2,457,000 |
| Provision for loan losses | 119,000 | 344,000 | 3,708,000 | 10,451,000 |
| Pretax income | 375,000 | 656,000 | -2,347,000 | -8,719,000 |
| Income tax | 133,000 | 232,000 | -959,000 | -3,497,000 |
| Net income | 242,000 | 424,000 | -1,388,000 | -5,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,106,000 | 9,288,000 | 10,476,000 | 7,642,000 |
| Total capital | 10,280,000 | 10,408,000 | 11,647,000 | 8,821,000 |
| Risk-weighted assets | 93,778,000 | 98,306,000 | 99,218,000 | 89,651,000 |
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