Call reports 2015
CAMBRIDGE STATE BANK — 2015
What CAMBRIDGE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 62,909,000 | 65,303,000 | 66,035,000 |
| Total loans | 49,536,000 | 51,613,000 | 53,675,000 |
| Allowance for loan losses | 3,333,000 | 3,367,000 | 3,392,000 |
| Securities available for sale | 6,571,000 | 6,128,000 | 5,454,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 50,587,000 | 47,592,000 | 49,615,000 |
| Interest-bearing deposits | 42,383,000 | 40,587,000 | 42,786,000 |
| Noninterest-bearing deposits | 8,204,000 | 7,005,000 | 6,829,000 |
| Equity capital | 12,071,000 | 10,249,000 | 10,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 596,000 | 1,235,000 | 1,850,000 |
| Interest expense | 42,000 | 81,000 | 120,000 |
| Net interest income | 554,000 | 1,154,000 | 1,730,000 |
| Noninterest income | 131,000 | 204,000 | 308,000 |
| Noninterest expense | 401,000 | 789,000 | 1,193,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 281,000 | 565,000 | 841,000 |
| Income tax | 100,000 | 200,000 | 298,000 |
| Net income | 181,000 | 365,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 12,033,000 | 10,156,000 | 10,333,000 |
| Total capital | 12,662,000 | 10,806,000 | 11,001,000 |
| Risk-weighted assets | 47,687,000 | 49,208,000 | 50,629,000 |