Call reports 2010
CAMBRIDGE STATE BANK — 2010
What CAMBRIDGE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 104,360,000 | 97,028,000 | 92,528,000 | 91,164,000 |
| Total loans | 85,028,000 | 77,234,000 | 71,704,000 | 61,924,000 |
| Allowance for loan losses | 7,306,000 | 7,346,000 | 9,588,000 | 6,306,000 |
| Securities available for sale | 6,969,000 | 10,534,000 | 8,130,000 | 8,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,647,000 | 76,399,000 | 70,655,000 | 69,891,000 |
| Interest-bearing deposits | 76,426,000 | 70,061,000 | 63,421,000 | 62,453,000 |
| Noninterest-bearing deposits | 6,221,000 | 6,338,000 | 7,234,000 | 7,437,000 |
| Equity capital | 10,649,000 | 10,576,000 | 11,705,000 | 11,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,424,000 | 3,408,000 | 4,501,000 |
| Interest expense | 521,000 | 1,024,000 | 1,432,000 | 1,765,000 |
| Net interest income | 775,000 | 1,400,000 | 1,976,000 | 2,736,000 |
| Noninterest income | 132,000 | 250,000 | 228,000 | 350,000 |
| Noninterest expense | 712,000 | 1,665,000 | 2,628,000 | 3,576,000 |
| Provision for loan losses | 300,000 | 2,454,000 | 4,866,000 | 5,191,000 |
| Pretax income | -105,000 | -2,469,000 | -5,290,000 | -5,681,000 |
| Income tax | -55,000 | -829,000 | -1,904,000 | -2,059,000 |
| Net income | -50,000 | -1,640,000 | -3,386,000 | -3,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,592,000 | 9,075,000 | 10,194,000 | 8,550,000 |
| Total capital | 11,766,000 | 10,155,000 | 11,209,000 | 9,462,000 |
| Risk-weighted assets | 87,767,000 | 80,164,000 | 72,633,000 | 67,567,000 |
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