Call reports 2004
CAMBRIDGE SAVINGS BANK — 2004
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,909,322,000 | 1,996,218,000 | 1,973,447,000 | 1,980,444,000 |
| Total loans | 1,262,658,000 | 1,336,629,000 | 1,377,437,000 | 1,392,593,000 |
| Allowance for loan losses | 7,640,000 | 8,021,000 | 8,227,000 | 8,386,000 |
| Securities available for sale | 532,076,000 | 543,006,000 | 493,142,000 | 471,048,000 |
| Securities held to maturity | 427,000 | 380,000 | 337,000 | 304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,552,179,000 | 1,644,554,000 | 1,602,837,000 | 1,615,510,000 |
| Interest-bearing deposits | 1,520,171,000 | 1,609,158,000 | 1,571,502,000 | 1,596,242,000 |
| Noninterest-bearing deposits | 32,008,000 | 35,396,000 | 31,335,000 | 19,268,000 |
| Equity capital | 147,321,000 | 142,989,000 | 148,473,000 | 150,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 23,161,000 | 46,505,000 | 70,961,000 | 95,456,000 |
| Interest expense | 8,221,000 | 16,908,000 | 25,677,000 | 34,165,000 |
| Net interest income | 14,940,000 | 29,597,000 | 45,284,000 | 61,291,000 |
| Noninterest income | 1,859,000 | 2,977,000 | 4,438,000 | 5,910,000 |
| Noninterest expense | 12,217,000 | 22,806,000 | 33,492,000 | 43,977,000 |
| Provision for loan losses | 199,000 | 581,000 | 785,000 | 950,000 |
| Pretax income | 4,393,000 | 9,183,000 | 15,396,000 | 22,163,000 |
| Income tax | 1,421,000 | 3,341,000 | 5,800,000 | 8,473,000 |
| Net income | 2,972,000 | 5,842,000 | 9,596,000 | 13,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,952,000 | 140,886,000 | 144,672,000 | 148,817,000 |
| Total capital | 145,608,000 | 148,924,000 | 152,917,000 | 157,223,000 |
| Risk-weighted assets | 1,271,026,000 | 1,309,937,000 | 1,319,419,000 | 1,339,316,000 |
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