Call reports 2009
CAMBRIDGE SAVINGS BANK — 2009
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,132,374,000 | 2,161,987,000 | 2,158,806,000 | 2,160,743,000 |
| Total loans | 1,475,243,000 | 1,424,113,000 | 1,432,874,000 | 1,423,792,000 |
| Allowance for loan losses | 10,224,000 | 9,977,000 | 10,038,000 | 10,481,000 |
| Securities available for sale | 381,075,000 | 450,905,000 | 443,285,000 | 434,851,000 |
| Securities held to maturity | 7,884,000 | 7,819,000 | 12,510,000 | 16,963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,685,502,000 | 1,718,112,000 | 1,720,541,000 | 1,735,043,000 |
| Interest-bearing deposits | 1,660,267,000 | 1,689,281,000 | 1,691,864,000 | 1,691,278,000 |
| Noninterest-bearing deposits | 25,235,000 | 28,831,000 | 28,677,000 | 43,765,000 |
| Equity capital | 154,014,000 | 165,824,000 | 179,147,000 | 182,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 25,711,000 | 50,288,000 | 73,613,000 | 97,167,000 |
| Interest expense | 11,164,000 | 21,129,000 | 29,686,000 | 37,485,000 |
| Net interest income | 14,547,000 | 29,159,000 | 43,927,000 | 59,682,000 |
| Noninterest income | 2,500,000 | 5,484,000 | 7,867,000 | 10,257,000 |
| Noninterest expense | 12,021,000 | 25,414,000 | 37,111,000 | 49,790,000 |
| Provision for loan losses | 200,000 | 200,000 | 275,000 | 1,050,000 |
| Pretax income | 5,726,000 | 9,640,000 | 16,493,000 | 18,222,000 |
| Income tax | 2,037,000 | 3,331,000 | 5,836,000 | 6,146,000 |
| Net income | 3,689,000 | 6,309,000 | 10,657,000 | 12,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,535,000 | 185,173,000 | 189,252,000 | 190,303,000 |
| Total capital | 188,957,000 | 195,370,000 | 199,550,000 | 201,083,000 |
| Risk-weighted assets | 1,318,054,000 | 1,354,776,000 | 1,463,454,000 | 1,455,293,000 |
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