Call reports 2012
CAMBRIDGE STATE BANK — 2012
What CAMBRIDGE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,919,000 | 75,354,000 | 75,009,000 | 76,413,000 |
| Total loans | 47,159,000 | 46,165,000 | 46,559,000 | 46,907,000 |
| Allowance for loan losses | 5,720,000 | 5,400,000 | 5,562,000 | 4,935,000 |
| Securities available for sale | 18,852,000 | 18,064,000 | 16,403,000 | 14,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,046,000 | 54,220,000 | 53,536,000 | 55,285,000 |
| Interest-bearing deposits | 53,349,000 | 48,366,000 | 48,077,000 | 48,372,000 |
| Noninterest-bearing deposits | 5,697,000 | 5,854,000 | 5,459,000 | 6,913,000 |
| Equity capital | 11,167,000 | 11,230,000 | 11,355,000 | 11,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,350,000 | 1,997,000 | 2,592,000 |
| Interest expense | 249,000 | 481,000 | 687,000 | 881,000 |
| Net interest income | 378,000 | 869,000 | 1,310,000 | 1,711,000 |
| Noninterest income | 154,000 | 349,000 | 622,000 | 941,000 |
| Noninterest expense | 631,000 | 1,263,000 | 1,828,000 | 2,391,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -99,000 | -45,000 | 107,000 | 264,000 |
| Income tax | -44,000 | -75,000 | -28,000 | 31,000 |
| Net income | -55,000 | 30,000 | 135,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,533,000 | 8,400,000 | 8,505,000 | 9,022,000 |
| Total capital | 9,351,000 | 9,189,000 | 9,288,000 | 9,798,000 |
| Risk-weighted assets | 60,555,000 | 58,543,000 | 57,286,000 | 57,888,000 |
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