Call reports 2013
CAMBRIDGE STATE BANK — 2013
What CAMBRIDGE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 77,406,000 | 73,859,000 | 73,552,000 | 73,973,000 |
| Total loans | 49,039,000 | 47,607,000 | 45,343,000 | 45,383,000 |
| Allowance for loan losses | 5,299,000 | 4,821,000 | 4,391,000 | 4,271,000 |
| Securities available for sale | 17,117,000 | 13,884,000 | 13,458,000 | 12,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,139,000 | 52,500,000 | 51,981,000 | 52,623,000 |
| Interest-bearing deposits | 50,053,000 | 46,362,000 | 45,786,000 | 43,997,000 |
| Noninterest-bearing deposits | 6,086,000 | 6,138,000 | 6,195,000 | 8,626,000 |
| Equity capital | 11,469,000 | 11,584,000 | 11,637,000 | 11,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,254,000 | 1,844,000 | 2,520,000 |
| Interest expense | 186,000 | 363,000 | 532,000 | 690,000 |
| Net interest income | 435,000 | 891,000 | 1,312,000 | 1,830,000 |
| Noninterest income | 132,000 | 361,000 | 484,000 | 580,000 |
| Noninterest expense | 546,000 | 1,012,000 | 1,494,000 | 1,903,000 |
| Provision for loan losses | 0 | 0 | 0 | 74,000 |
| Pretax income | 21,000 | 239,000 | 301,000 | 437,000 |
| Income tax | 1,000 | 57,000 | 76,000 | 121,000 |
| Net income | 20,000 | 182,000 | 225,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,055,000 | 9,307,000 | 9,369,000 | 9,927,000 |
| Total capital | 9,775,000 | 9,987,000 | 10,019,000 | 10,485,000 |
| Risk-weighted assets | 52,994,000 | 50,219,000 | 48,287,000 | 40,895,000 |