Call reports 2016
CAMBRIDGE SAVINGS BANK — 2016
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 3,249,736,000 | 3,408,440,000 | 3,454,853,000 | 3,405,811,000 |
| Total loans | 2,493,137,000 | 2,651,013,000 | 2,666,949,000 | 2,674,587,000 |
| Allowance for loan losses | 23,310,000 | 24,518,000 | 25,905,000 | 27,878,000 |
| Securities available for sale | 382,116,000 | 379,947,000 | 382,220,000 | 405,105,000 |
| Securities held to maturity | 73,075,000 | 72,483,000 | 71,847,000 | 71,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,478,912,000 | 2,537,940,000 | 2,628,423,000 | 2,647,383,000 |
| Interest-bearing deposits | 1,984,084,000 | 2,035,089,000 | 2,140,128,000 | 2,137,501,000 |
| Noninterest-bearing deposits | 494,828,000 | 502,851,000 | 488,295,000 | 509,882,000 |
| Equity capital | 296,009,000 | 302,606,000 | 311,699,000 | 313,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 25,552,000 | 51,499,000 | 78,661,000 | 107,073,000 |
| Interest expense | 3,346,000 | 6,822,000 | 10,408,000 | 14,082,000 |
| Net interest income | 22,206,000 | 44,677,000 | 68,253,000 | 92,991,000 |
| Noninterest income | 3,300,000 | 7,332,000 | 10,512,000 | 13,682,000 |
| Noninterest expense | 17,921,000 | 36,836,000 | 55,000,000 | 74,549,000 |
| Provision for loan losses | 850,000 | 2,075,000 | 3,475,000 | 5,475,000 |
| Pretax income | 6,741,000 | 13,104,000 | 20,369,000 | 28,674,000 |
| Income tax | 1,783,000 | 3,399,000 | 5,434,000 | 7,687,000 |
| Net income | 4,958,000 | 9,705,000 | 14,935,000 | 20,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 290,191,000 | 295,256,000 | 304,487,000 | 310,538,000 |
| Total capital | 314,197,000 | 320,572,000 | 331,885,000 | 340,776,000 |
| Risk-weighted assets | 2,609,757,000 | 2,770,566,000 | 2,766,759,000 | 2,757,739,000 |