Call reports 2007
CAMBRIDGE SAVINGS BANK — 2007
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,064,744,000 | 2,052,563,000 | 2,025,869,000 | 2,062,336,000 |
| Total loans | 1,412,888,000 | 1,435,719,000 | 1,458,426,000 | 1,458,587,000 |
| Allowance for loan losses | 8,417,000 | 8,407,000 | 8,460,000 | 8,456,000 |
| Securities available for sale | 490,283,000 | 474,397,000 | 444,505,000 | 464,040,000 |
| Securities held to maturity | 8,404,000 | 8,336,000 | 8,273,000 | 8,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,642,503,000 | 1,599,479,000 | 1,570,732,000 | 1,600,525,000 |
| Interest-bearing deposits | 1,607,882,000 | 1,577,654,000 | 1,543,623,000 | 1,570,008,000 |
| Noninterest-bearing deposits | 34,621,000 | 21,825,000 | 27,109,000 | 30,517,000 |
| Equity capital | 172,860,000 | 173,202,000 | 176,065,000 | 180,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 28,412,000 | 56,981,000 | 85,404,000 | 114,455,000 |
| Interest expense | 15,617,000 | 31,443,000 | 47,609,000 | 63,908,000 |
| Net interest income | 12,795,000 | 25,538,000 | 37,795,000 | 50,547,000 |
| Noninterest income | 1,365,000 | 2,763,000 | 4,303,000 | 6,511,000 |
| Noninterest expense | 11,768,000 | 23,544,000 | 34,900,000 | 46,246,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,393,000 | 4,758,000 | 7,199,000 | 10,826,000 |
| Income tax | 805,000 | 1,587,000 | 2,395,000 | 3,551,000 |
| Net income | 1,588,000 | 3,171,000 | 4,804,000 | 7,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 172,714,000 | 174,333,000 | 176,002,000 | 178,504,000 |
| Total capital | 181,327,000 | 182,945,000 | 184,679,000 | 187,202,000 |
| Risk-weighted assets | 1,325,827,000 | 1,316,819,000 | 1,285,794,000 | 1,281,376,000 |
Machine access — free, no API key
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