Call reports 2003
CAMBRIDGE SAVINGS BANK — 2003
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,738,163,000 | 1,841,654,000 | 1,857,221,000 | 1,827,748,000 |
| Total loans | 1,073,899,000 | 1,129,160,000 | 1,201,058,000 | 1,239,245,000 |
| Allowance for loan losses | 6,535,000 | 6,848,000 | 7,205,000 | 7,442,000 |
| Securities available for sale | 583,757,000 | 637,167,000 | 565,042,000 | 502,373,000 |
| Securities held to maturity | 1,299,000 | 908,000 | 549,000 | 467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,418,960,000 | 1,518,211,000 | 1,523,705,000 | 1,482,306,000 |
| Interest-bearing deposits | 1,394,670,000 | 1,488,816,000 | 1,499,506,000 | 1,467,108,000 |
| Noninterest-bearing deposits | 24,290,000 | 29,395,000 | 24,199,000 | 15,198,000 |
| Equity capital | 135,177,000 | 140,443,000 | 140,947,000 | 142,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 23,314,000 | 46,162,000 | 68,874,000 | 92,114,000 |
| Interest expense | 9,104,000 | 18,184,000 | 27,120,000 | 35,497,000 |
| Net interest income | 14,210,000 | 27,978,000 | 41,754,000 | 56,617,000 |
| Noninterest income | 2,288,000 | 4,000,000 | 5,726,000 | 7,441,000 |
| Noninterest expense | 10,460,000 | 22,109,000 | 32,340,000 | 42,700,000 |
| Provision for loan losses | 87,000 | 400,000 | 750,000 | 989,000 |
| Pretax income | 6,195,000 | 10,513,000 | 15,549,000 | 21,570,000 |
| Income tax | 3,009,000 | 3,757,000 | 5,703,000 | 8,064,000 |
| Net income | 3,186,000 | 6,756,000 | 9,846,000 | 13,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,434,000 | 128,062,000 | 131,201,000 | 134,916,000 |
| Total capital | 130,969,000 | 134,910,000 | 138,406,000 | 142,358,000 |
| Risk-weighted assets | 1,152,415,000 | 1,216,117,000 | 1,263,377,000 | 1,265,661,000 |
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