Call reports 2022
CAMBRIDGE SAVINGS BANK — 2022
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 5,380,599,000 | 5,693,885,000 | 6,144,159,000 | 6,474,352,000 |
| Total loans | 4,235,999,000 | 4,532,404,000 | 4,961,854,000 | 5,321,245,000 |
| Allowance for loan losses | 49,223,000 | 49,049,000 | 49,515,000 | 48,623,000 |
| Securities available for sale | 510,103,000 | 566,680,000 | 585,974,000 | 581,706,000 |
| Securities held to maturity | 108,212,000 | 106,951,000 | 106,053,000 | 105,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,530,722,000 | 4,429,464,000 | 4,667,580,000 | 4,791,991,000 |
| Interest-bearing deposits | 3,442,538,000 | 3,336,852,000 | 3,550,583,000 | 3,738,231,000 |
| Noninterest-bearing deposits | 1,088,184,000 | 1,092,612,000 | 1,116,997,000 | 1,053,760,000 |
| Equity capital | 502,064,000 | 505,164,000 | 539,689,000 | 557,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 42,659,000 | 87,897,000 | 142,932,000 | 209,033,000 |
| Interest expense | 3,236,000 | 6,550,000 | 14,430,000 | 32,225,000 |
| Net interest income | 39,423,000 | 81,347,000 | 128,502,000 | 176,808,000 |
| Noninterest income | 2,297,000 | 6,107,000 | 8,055,000 | 11,070,000 |
| Noninterest expense | 28,519,000 | 55,779,000 | 84,859,000 | 118,162,000 |
| Provision for loan losses | 195,000 | 195,000 | 695,000 | 1,195,000 |
| Pretax income | 12,098,000 | 28,439,000 | 47,834,000 | 65,581,000 |
| Income tax | 2,787,000 | 6,849,000 | 11,243,000 | 15,130,000 |
| Net income | 9,311,000 | 21,590,000 | 36,591,000 | 50,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 486,786,000 | 499,149,000 | 549,229,000 | 563,163,000 |
| Total capital | 537,476,000 | 549,568,000 | 600,219,000 | 613,142,000 |
| Risk-weighted assets | 4,106,732,000 | 4,442,395,000 | 5,141,086,000 | 5,479,719,000 |