Call reports 2013
CAMBRIDGE SAVINGS BANK — 2013
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,505,368,000 | 2,473,814,000 | 2,519,222,000 | 2,571,234,000 |
| Total loans | 1,658,275,000 | 1,745,862,000 | 1,763,932,000 | 1,861,174,000 |
| Allowance for loan losses | 14,414,000 | 15,512,000 | 15,859,000 | 17,468,000 |
| Securities available for sale | 535,359,000 | 477,406,000 | 498,474,000 | 465,217,000 |
| Securities held to maturity | 56,235,000 | 59,641,000 | 59,291,000 | 61,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,094,525,000 | 2,032,226,000 | 2,045,229,000 | 2,044,431,000 |
| Interest-bearing deposits | 2,022,002,000 | 1,970,951,000 | 1,985,365,000 | 1,983,632,000 |
| Noninterest-bearing deposits | 72,523,000 | 61,275,000 | 59,864,000 | 60,799,000 |
| Equity capital | 249,122,000 | 246,005,000 | 248,970,000 | 250,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 19,783,000 | 39,615,000 | 60,322,000 | 80,769,000 |
| Interest expense | 3,488,000 | 6,779,000 | 9,818,000 | 12,727,000 |
| Net interest income | 16,295,000 | 32,836,000 | 50,504,000 | 68,042,000 |
| Noninterest income | 3,448,000 | 7,529,000 | 9,891,000 | 13,590,000 |
| Noninterest expense | 14,475,000 | 29,953,000 | 45,444,000 | 61,476,000 |
| Provision for loan losses | 0 | 1,200,000 | 1,550,000 | 2,950,000 |
| Pretax income | 5,501,000 | 9,561,000 | 13,703,000 | 17,517,000 |
| Income tax | 1,521,000 | 2,032,000 | 2,591,000 | 3,135,000 |
| Net income | 3,980,000 | 7,529,000 | 11,112,000 | 14,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 240,909,000 | 244,485,000 | 247,979,000 | 250,837,000 |
| Total capital | 255,758,000 | 260,404,000 | 264,209,000 | 268,820,000 |
| Risk-weighted assets | 1,689,495,000 | 1,752,541,000 | 1,769,140,000 | 1,866,217,000 |