Call reports 2015
CAMBRIDGE SAVINGS BANK — 2015
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,916,518,000 | 2,843,153,000 | 2,898,472,000 | 3,175,031,000 |
| Total loans | 2,188,472,000 | 2,167,812,000 | 2,239,677,000 | 2,431,381,000 |
| Allowance for loan losses | 19,906,000 | 20,418,000 | 21,157,000 | 22,465,000 |
| Securities available for sale | 387,298,000 | 392,423,000 | 377,726,000 | 384,042,000 |
| Securities held to maturity | 71,377,000 | 70,904,000 | 70,442,000 | 73,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,272,669,000 | 2,304,409,000 | 2,343,364,000 | 2,554,967,000 |
| Interest-bearing deposits | 1,864,878,000 | 1,880,575,000 | 1,908,579,000 | 1,933,736,000 |
| Noninterest-bearing deposits | 407,791,000 | 423,834,000 | 434,785,000 | 621,231,000 |
| Equity capital | 277,847,000 | 280,156,000 | 285,682,000 | 288,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 22,383,000 | 44,963,000 | 67,682,000 | 91,874,000 |
| Interest expense | 2,855,000 | 5,961,000 | 9,129,000 | 12,290,000 |
| Net interest income | 19,528,000 | 39,002,000 | 58,553,000 | 79,584,000 |
| Noninterest income | 3,364,000 | 6,936,000 | 10,094,000 | 14,094,000 |
| Noninterest expense | 17,018,000 | 34,261,000 | 51,303,000 | 69,429,000 |
| Provision for loan losses | 600,000 | 1,100,000 | 1,850,000 | 3,350,000 |
| Pretax income | 5,345,000 | 10,826,000 | 15,743,000 | 21,148,000 |
| Income tax | 1,302,000 | 2,567,000 | 3,515,000 | 4,476,000 |
| Net income | 4,043,000 | 8,259,000 | 12,228,000 | 16,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 272,827,000 | 277,044,000 | 281,013,000 | 285,455,000 |
| Total capital | 293,672,000 | 298,631,000 | 302,952,000 | 309,071,000 |
| Risk-weighted assets | 2,244,677,000 | 2,251,444,000 | 2,311,370,000 | 2,517,861,000 |