Call reports 2020
CAMBRIDGE SAVINGS BANK — 2020
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 4,461,515,000 | 5,075,233,000 | 5,194,891,000 | 5,187,820,000 |
| Total loans | 3,515,906,000 | 4,070,399,000 | 4,189,130,000 | 4,044,138,000 |
| Allowance for loan losses | 35,638,000 | 39,862,000 | 41,701,000 | 46,908,000 |
| Securities available for sale | 492,236,000 | 497,459,000 | 473,266,000 | 465,306,000 |
| Securities held to maturity | 107,012,000 | 107,858,000 | 109,907,000 | 111,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,313,832,000 | 4,057,142,000 | 4,023,459,000 | 4,082,815,000 |
| Interest-bearing deposits | 2,617,917,000 | 3,136,164,000 | 3,120,305,000 | 3,149,171,000 |
| Noninterest-bearing deposits | 695,915,000 | 920,978,000 | 903,154,000 | 933,644,000 |
| Equity capital | 436,648,000 | 439,798,000 | 449,849,000 | 463,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 41,613,000 | 81,626,000 | 123,364,000 | 166,104,000 |
| Interest expense | 10,048,000 | 16,381,000 | 22,153,000 | 27,220,000 |
| Net interest income | 31,565,000 | 65,245,000 | 101,211,000 | 138,884,000 |
| Noninterest income | 2,868,000 | 6,062,000 | 11,064,000 | 17,860,000 |
| Noninterest expense | 22,174,000 | 46,642,000 | 72,007,000 | 97,560,000 |
| Provision for loan losses | 1,560,000 | 8,770,000 | 11,570,000 | 16,570,000 |
| Pretax income | 8,297,000 | 13,795,000 | 26,714,000 | 43,664,000 |
| Income tax | 1,650,000 | 2,419,000 | 5,179,000 | 8,916,000 |
| Net income | 6,647,000 | 11,376,000 | 21,535,000 | 34,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 424,047,000 | 404,786,000 | 415,480,000 | 429,648,000 |
| Total capital | 459,927,000 | 445,556,000 | 458,428,000 | 477,618,000 |
| Risk-weighted assets | 3,612,377,000 | 3,828,237,000 | 3,946,736,000 | 3,837,431,000 |