Call reports 2017
CAMBRIDGE SAVINGS BANK — 2017
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 3,449,817,000 | 3,549,793,000 | 3,585,861,000 | 3,658,330,000 |
| Total loans | 2,743,894,000 | 2,806,287,000 | 2,794,023,000 | 2,861,791,000 |
| Allowance for loan losses | 28,977,000 | 29,672,000 | 30,609,000 | 30,771,000 |
| Securities available for sale | 405,708,000 | 393,485,000 | 397,363,000 | 439,578,000 |
| Securities held to maturity | 85,889,000 | 96,988,000 | 96,270,000 | 89,363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,725,629,000 | 2,704,202,000 | 2,735,872,000 | 2,694,451,000 |
| Interest-bearing deposits | 2,193,043,000 | 2,156,966,000 | 2,158,801,000 | 2,147,810,000 |
| Noninterest-bearing deposits | 532,586,000 | 547,236,000 | 577,071,000 | 546,641,000 |
| Equity capital | 319,464,000 | 327,120,000 | 334,879,000 | 334,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 28,569,000 | 59,181,000 | 91,525,000 | 124,118,000 |
| Interest expense | 3,825,000 | 8,089,000 | 12,759,000 | 17,552,000 |
| Net interest income | 24,744,000 | 51,092,000 | 78,766,000 | 106,566,000 |
| Noninterest income | 1,976,000 | 4,528,000 | 6,820,000 | 8,952,000 |
| Noninterest expense | 18,328,000 | 37,145,000 | 56,023,000 | 76,680,000 |
| Provision for loan losses | 1,100,000 | 1,800,000 | 2,750,000 | 3,500,000 |
| Pretax income | 7,353,000 | 17,456,000 | 28,071,000 | 37,233,000 |
| Income tax | 1,942,000 | 5,233,000 | 8,490,000 | 16,092,000 |
| Net income | 5,411,000 | 12,223,000 | 19,581,000 | 21,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 315,870,000 | 322,761,000 | 330,120,000 | 331,052,000 |
| Total capital | 347,127,000 | 354,396,000 | 363,034,000 | 363,721,000 |
| Risk-weighted assets | 2,842,648,000 | 2,863,926,000 | 2,843,278,000 | 2,842,334,000 |