Call reports 2005
CAMBRIDGE SAVINGS BANK — 2005
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,977,613,000 | 2,037,107,000 | 2,060,304,000 | 2,037,164,000 |
| Total loans | 1,416,422,000 | 1,423,670,000 | 1,394,001,000 | 1,391,152,000 |
| Allowance for loan losses | 8,570,000 | 8,618,000 | 8,626,000 | 8,621,000 |
| Securities available for sale | 461,786,000 | 471,284,000 | 535,851,000 | 538,112,000 |
| Securities held to maturity | 281,000 | 257,000 | 234,000 | 213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,601,330,000 | 1,653,623,000 | 1,681,758,000 | 1,665,950,000 |
| Interest-bearing deposits | 1,564,256,000 | 1,617,162,000 | 1,652,131,000 | 1,632,662,000 |
| Noninterest-bearing deposits | 37,074,000 | 36,461,000 | 29,627,000 | 33,288,000 |
| Equity capital | 150,863,000 | 155,465,000 | 156,921,000 | 159,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 24,869,000 | 50,917,000 | 76,438,000 | 102,572,000 |
| Interest expense | 8,997,000 | 18,928,000 | 30,220,000 | 42,364,000 |
| Net interest income | 15,872,000 | 31,989,000 | 46,218,000 | 60,208,000 |
| Noninterest income | 1,206,000 | 2,562,000 | 3,845,000 | 5,104,000 |
| Noninterest expense | 11,295,000 | 22,494,000 | 33,435,000 | 43,915,000 |
| Provision for loan losses | 186,000 | 231,000 | 238,000 | 238,000 |
| Pretax income | 5,712,000 | 11,867,000 | 16,431,000 | 21,131,000 |
| Income tax | 2,252,000 | 4,658,000 | 6,403,000 | 8,197,000 |
| Net income | 3,460,000 | 7,209,000 | 10,028,000 | 12,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,340,000 | 156,153,000 | 159,036,000 | 162,007,000 |
| Total capital | 160,928,000 | 164,794,000 | 167,688,000 | 170,654,000 |
| Risk-weighted assets | 1,349,490,000 | 1,341,870,000 | 1,331,489,000 | 1,348,020,000 |
Machine access — free, no API key
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