Call reports 2014
CAMBRIDGE SAVINGS BANK — 2014
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,625,008,000 | 2,648,235,000 | 2,746,013,000 | 2,834,539,000 |
| Total loans | 1,879,996,000 | 1,945,862,000 | 2,041,934,000 | 2,149,280,000 |
| Allowance for loan losses | 17,720,000 | 18,200,000 | 19,039,000 | 19,441,000 |
| Securities available for sale | 455,913,000 | 440,055,000 | 430,939,000 | 387,211,000 |
| Securities held to maturity | 60,876,000 | 60,542,000 | 68,177,000 | 71,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,078,212,000 | 2,061,682,000 | 2,104,775,000 | 2,170,565,000 |
| Interest-bearing deposits | 1,694,503,000 | 1,698,044,000 | 1,745,841,000 | 1,808,858,000 |
| Noninterest-bearing deposits | 383,709,000 | 363,638,000 | 358,934,000 | 361,707,000 |
| Equity capital | 256,784,000 | 263,603,000 | 266,604,000 | 272,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 20,301,000 | 40,871,000 | 62,346,000 | 84,418,000 |
| Interest expense | 2,614,000 | 5,151,000 | 7,797,000 | 10,615,000 |
| Net interest income | 17,687,000 | 35,720,000 | 54,549,000 | 73,803,000 |
| Noninterest income | 2,833,000 | 5,919,000 | 9,063,000 | 12,244,000 |
| Noninterest expense | 15,823,000 | 31,843,000 | 47,665,000 | 64,982,000 |
| Provision for loan losses | 925,000 | 1,425,000 | 2,275,000 | 2,875,000 |
| Pretax income | 4,243,000 | 9,355,000 | 14,770,000 | 19,619,000 |
| Income tax | 990,000 | 2,276,000 | 3,610,000 | 4,506,000 |
| Net income | 3,253,000 | 7,079,000 | 11,160,000 | 15,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 254,391,000 | 258,043,000 | 262,163,000 | 266,322,000 |
| Total capital | 272,615,000 | 276,690,000 | 281,848,000 | 286,717,000 |
| Risk-weighted assets | 1,914,378,000 | 1,953,499,000 | 2,029,016,000 | 2,126,120,000 |
Machine access — free, no API key
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