Call reports 2006
CAMBRIDGE SAVINGS BANK — 2006
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,100,726,000 | 2,093,412,000 | 2,109,117,000 | 2,080,218,000 |
| Total loans | 1,389,633,000 | 1,446,041,000 | 1,447,168,000 | 1,422,979,000 |
| Allowance for loan losses | 8,621,000 | 8,621,000 | 8,616,000 | 8,449,000 |
| Securities available for sale | 535,826,000 | 494,670,000 | 552,872,000 | 526,412,000 |
| Securities held to maturity | 8,675,000 | 8,606,000 | 8,536,000 | 8,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,719,928,000 | 1,687,877,000 | 1,699,974,000 | 1,661,609,000 |
| Interest-bearing deposits | 1,674,404,000 | 1,655,678,000 | 1,684,734,000 | 1,627,225,000 |
| Noninterest-bearing deposits | 45,524,000 | 32,199,000 | 15,240,000 | 34,384,000 |
| Equity capital | 160,802,000 | 162,197,000 | 166,824,000 | 170,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 26,249,000 | 53,001,000 | 81,530,000 | 110,108,000 |
| Interest expense | 12,624,000 | 26,557,000 | 42,530,000 | 58,558,000 |
| Net interest income | 13,625,000 | 26,444,000 | 39,000,000 | 51,550,000 |
| Noninterest income | 1,235,000 | 2,520,000 | 4,244,000 | 6,662,000 |
| Noninterest expense | 11,591,000 | 23,103,000 | 34,480,000 | 44,961,000 |
| Provision for loan losses | 0 | 0 | 0 | -172,000 |
| Pretax income | 3,269,000 | 5,860,000 | 8,763,000 | 13,449,000 |
| Income tax | 1,164,000 | 2,035,000 | 3,028,000 | 4,561,000 |
| Net income | 2,105,000 | 3,825,000 | 5,735,000 | 8,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,163,000 | 165,931,000 | 167,890,000 | 171,088,000 |
| Total capital | 172,809,000 | 174,579,000 | 176,537,000 | 179,742,000 |
| Risk-weighted assets | 1,392,747,000 | 1,377,982,000 | 1,368,751,000 | 1,322,384,000 |
Machine access — free, no API key
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