Call reports 2021
CAMBRIDGE SAVINGS BANK — 2021
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 5,196,447,000 | 5,244,140,000 | 5,350,980,000 | 5,339,773,000 |
| Total loans | 4,064,077,000 | 4,163,675,000 | 4,168,556,000 | 4,246,478,000 |
| Allowance for loan losses | 47,717,000 | 48,694,000 | 49,295,000 | 49,054,000 |
| Securities available for sale | 452,389,000 | 463,646,000 | 450,382,000 | 469,943,000 |
| Securities held to maturity | 112,042,000 | 111,666,000 | 110,937,000 | 109,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,333,466,000 | 4,447,688,000 | 4,522,210,000 | 4,443,661,000 |
| Interest-bearing deposits | 3,309,256,000 | 3,385,562,000 | 3,494,296,000 | 3,361,224,000 |
| Noninterest-bearing deposits | 1,024,210,000 | 1,062,126,000 | 1,027,914,000 | 1,082,437,000 |
| Equity capital | 477,302,000 | 488,621,000 | 498,753,000 | 509,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 41,299,000 | 82,471,000 | 124,921,000 | 168,503,000 |
| Interest expense | 4,448,000 | 8,576,000 | 12,560,000 | 16,292,000 |
| Net interest income | 36,851,000 | 73,895,000 | 112,361,000 | 152,211,000 |
| Noninterest income | 5,494,000 | 12,678,000 | 16,555,000 | 20,013,000 |
| Noninterest expense | 25,873,000 | 54,652,000 | 80,836,000 | 112,028,000 |
| Provision for loan losses | 800,000 | 1,800,000 | 2,400,000 | 2,400,000 |
| Pretax income | 17,179,000 | 32,030,000 | 47,828,000 | 60,638,000 |
| Income tax | 3,898,000 | 7,344,000 | 10,833,000 | 13,301,000 |
| Net income | 13,281,000 | 24,686,000 | 36,995,000 | 47,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 443,037,000 | 454,544,000 | 466,952,000 | 477,387,000 |
| Total capital | 491,154,000 | 504,009,000 | 516,958,000 | 527,714,000 |
| Risk-weighted assets | 3,848,524,000 | 3,956,837,000 | 4,000,116,000 | 4,076,448,000 |
Machine access — free, no API key
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