Call reports 2008
CAMBRIDGE SAVINGS BANK — 2008
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 2,100,585,000 | 2,155,060,000 | 2,132,904,000 | 2,098,231,000 |
| Total loans | 1,466,356,000 | 1,488,908,000 | 1,532,566,000 | 1,520,356,000 |
| Allowance for loan losses | 8,455,000 | 7,933,000 | 9,257,000 | 10,051,000 |
| Securities available for sale | 444,648,000 | 458,519,000 | 395,303,000 | 377,343,000 |
| Securities held to maturity | 8,146,000 | 8,082,000 | 8,017,000 | 7,952,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,615,653,000 | 1,666,720,000 | 1,659,345,000 | 1,634,658,000 |
| Interest-bearing deposits | 1,585,256,000 | 1,630,676,000 | 1,627,217,000 | 1,608,420,000 |
| Noninterest-bearing deposits | 30,397,000 | 36,044,000 | 32,128,000 | 26,238,000 |
| Equity capital | 179,098,000 | 178,252,000 | 164,655,000 | 156,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 28,134,000 | 55,754,000 | 84,074,000 | 111,726,000 |
| Interest expense | 15,391,000 | 29,356,000 | 42,316,000 | 54,475,000 |
| Net interest income | 12,743,000 | 26,398,000 | 41,758,000 | 57,251,000 |
| Noninterest income | 1,920,000 | 3,788,000 | 5,659,000 | 7,576,000 |
| Noninterest expense | 11,375,000 | 23,605,000 | 35,342,000 | 45,189,000 |
| Provision for loan losses | 0 | 824,000 | 2,264,000 | 3,169,000 |
| Pretax income | 3,521,000 | 5,975,000 | 44,000 | -1,804,000 |
| Income tax | 1,139,000 | 1,974,000 | -1,095,000 | -1,883,000 |
| Net income | 2,382,000 | 4,001,000 | 1,139,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 180,690,000 | 182,053,000 | 178,697,000 | 175,223,000 |
| Total capital | 189,333,000 | 190,208,000 | 188,178,000 | 185,487,000 |
| Risk-weighted assets | 1,292,249,000 | 1,280,635,000 | 1,303,561,000 | 1,333,309,000 |
Machine access — free, no API key
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