Call reports 2012
CAMBRIDGE SAVINGS BANK — 2012
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,362,093,000 | 2,376,688,000 | 2,378,052,000 | 2,501,936,000 |
| Total loans | 1,577,322,000 | 1,643,846,000 | 1,639,596,000 | 1,645,417,000 |
| Allowance for loan losses | 13,227,000 | 13,955,000 | 14,384,000 | 14,405,000 |
| Securities available for sale | 544,762,000 | 493,403,000 | 496,970,000 | 556,360,000 |
| Securities held to maturity | 37,690,000 | 37,523,000 | 39,443,000 | 54,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,949,954,000 | 1,962,310,000 | 1,949,822,000 | 2,070,190,000 |
| Interest-bearing deposits | 1,895,464,000 | 1,905,114,000 | 1,901,541,000 | 1,999,133,000 |
| Noninterest-bearing deposits | 54,490,000 | 57,196,000 | 48,281,000 | 71,057,000 |
| Equity capital | 228,263,000 | 234,072,000 | 243,291,000 | 246,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 21,839,000 | 43,166,000 | 64,408,000 | 85,122,000 |
| Interest expense | 4,306,000 | 8,550,000 | 12,547,000 | 16,472,000 |
| Net interest income | 17,533,000 | 34,616,000 | 51,861,000 | 68,650,000 |
| Noninterest income | 3,318,000 | 6,618,000 | 9,853,000 | 13,713,000 |
| Noninterest expense | 13,795,000 | 27,995,000 | 42,525,000 | 58,528,000 |
| Provision for loan losses | 750,000 | 1,555,000 | 2,055,000 | 2,070,000 |
| Pretax income | 5,956,000 | 11,278,000 | 17,197,000 | 21,663,000 |
| Income tax | 1,800,000 | 3,362,000 | 5,104,000 | 5,917,000 |
| Net income | 4,156,000 | 7,916,000 | 12,093,000 | 15,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 225,867,000 | 229,438,000 | 233,450,000 | 237,150,000 |
| Total capital | 239,519,000 | 243,851,000 | 248,301,000 | 252,018,000 |
| Risk-weighted assets | 1,599,714,000 | 1,647,598,000 | 1,652,500,000 | 1,667,881,000 |