Call reports 2018
CAMBRIDGE SAVINGS BANK — 2018
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 3,668,500,000 | 3,693,752,000 | 3,815,458,000 | 3,881,689,000 |
| Total loans | 2,879,746,000 | 2,905,862,000 | 2,988,765,000 | 3,039,816,000 |
| Allowance for loan losses | 31,367,000 | 31,409,000 | 32,450,000 | 32,788,000 |
| Securities available for sale | 463,328,000 | 460,659,000 | 492,100,000 | 510,564,000 |
| Securities held to maturity | 93,302,000 | 92,742,000 | 87,607,000 | 86,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,745,283,000 | 2,827,353,000 | 2,902,764,000 | 2,981,112,000 |
| Interest-bearing deposits | 2,197,717,000 | 2,299,587,000 | 2,333,478,000 | 2,392,762,000 |
| Noninterest-bearing deposits | 547,566,000 | 527,766,000 | 569,286,000 | 588,350,000 |
| Equity capital | 337,745,000 | 345,485,000 | 363,486,000 | 377,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 33,952,000 | 69,952,000 | 107,922,000 | 147,300,000 |
| Interest expense | 5,610,000 | 12,416,000 | 20,341,000 | 29,458,000 |
| Net interest income | 28,342,000 | 57,536,000 | 87,581,000 | 117,842,000 |
| Noninterest income | 1,936,000 | 4,422,000 | 6,611,000 | 5,545,000 |
| Noninterest expense | 20,164,000 | 39,992,000 | 58,819,000 | 78,066,000 |
| Provision for loan losses | 600,000 | 1,525,000 | 2,475,000 | 2,775,000 |
| Pretax income | 9,850,000 | 21,379,000 | 34,344,000 | 44,051,000 |
| Income tax | 2,025,000 | 4,577,000 | 7,395,000 | 6,066,000 |
| Net income | 7,825,000 | 16,802,000 | 26,949,000 | 37,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 338,846,000 | 347,854,000 | 368,457,000 | 379,042,000 |
| Total capital | 372,147,000 | 380,967,000 | 402,343,000 | 412,789,000 |
| Risk-weighted assets | 2,880,824,000 | 2,924,555,000 | 2,989,813,000 | 3,030,390,000 |