Call reports 2014
CAMBRIDGE STATE BANK — 2014
What CAMBRIDGE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 72,545,000 | 71,805,000 | 66,352,000 | 65,959,000 |
| Total loans | 44,719,000 | 45,798,000 | 46,161,000 | 45,463,000 |
| Allowance for loan losses | 4,221,000 | 4,230,000 | 3,266,000 | 3,300,000 |
| Securities available for sale | 13,540,000 | 13,585,000 | 8,805,000 | 8,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,082,000 | 50,000,000 | 48,480,000 | 52,361,000 |
| Interest-bearing deposits | 43,002,000 | 42,284,000 | 39,334,000 | 44,113,000 |
| Noninterest-bearing deposits | 8,079,000 | 7,716,000 | 9,146,000 | 8,248,000 |
| Equity capital | 11,809,000 | 11,874,000 | 11,983,000 | 11,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,190,000 | 1,783,000 | 2,490,000 |
| Interest expense | 154,000 | 308,000 | 458,000 | 499,000 |
| Net interest income | 441,000 | 882,000 | 1,325,000 | 1,991,000 |
| Noninterest income | 104,000 | 187,000 | 319,000 | 399,000 |
| Noninterest expense | 431,000 | 876,000 | 2,257,000 | 2,655,000 |
| Provision for loan losses | 0 | 0 | -1,000,000 | -1,000,000 |
| Pretax income | 114,000 | 193,000 | 387,000 | 735,000 |
| Income tax | 37,000 | 61,000 | 130,000 | 255,000 |
| Net income | 77,000 | 132,000 | 257,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,061,000 | 10,139,000 | 10,471,000 | 11,093,000 |
| Total capital | 10,612,000 | 10,707,000 | 11,030,000 | 11,656,000 |
| Risk-weighted assets | 40,424,000 | 41,762,000 | 42,006,000 | 42,332,000 |