Call reports 2023
CAMBRIDGE SAVINGS BANK — 2023
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 6,683,221,000 | 6,734,104,000 | 6,936,582,000 | 6,868,896,000 |
| Total loans | 5,424,894,000 | 5,557,122,000 | 5,709,077,000 | 5,683,789,000 |
| Allowance for loan losses | 49,533,000 | 52,007,000 | 49,891,000 | 52,383,000 |
| Securities available for sale | 595,278,000 | 583,531,000 | 577,802,000 | 596,115,000 |
| Securities held to maturity | 105,095,000 | 105,066,000 | 106,372,000 | 106,929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,118,895,000 | 5,107,902,000 | 5,243,554,000 | 5,378,215,000 |
| Interest-bearing deposits | 4,059,033,000 | 4,084,031,000 | 4,270,445,000 | 4,432,952,000 |
| Noninterest-bearing deposits | 1,059,862,000 | 1,023,871,000 | 973,109,000 | 945,263,000 |
| Equity capital | 567,059,000 | 570,676,000 | 567,734,000 | 607,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 72,206,000 | 148,586,000 | 230,278,000 | 313,730,000 |
| Interest expense | 27,516,000 | 62,462,000 | 103,615,000 | 147,562,000 |
| Net interest income | 44,690,000 | 86,124,000 | 126,663,000 | 166,168,000 |
| Noninterest income | 2,738,000 | 7,335,000 | 10,248,000 | 14,068,000 |
| Noninterest expense | 32,147,000 | 65,226,000 | 96,342,000 | 136,103,000 |
| Provision for loan losses | 498,000 | 3,057,000 | 6,100,000 | 8,769,000 |
| Pretax income | 12,791,000 | 22,275,000 | 31,665,000 | 31,292,000 |
| Income tax | 2,875,000 | 4,505,000 | 6,185,000 | 3,908,000 |
| Net income | 9,916,000 | 17,770,000 | 25,480,000 | 27,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 569,354,000 | 577,273,000 | 585,043,000 | 608,753,000 |
| Total capital | 624,590,000 | 634,712,000 | 640,484,000 | 666,202,000 |
| Risk-weighted assets | 5,506,515,000 | 5,625,179,000 | 5,789,778,000 | 5,674,470,000 |