Call reports 2001
FIRST NATIONAL BANK OF CAMBRIDGE, THE — 2001
What FIRST NATIONAL BANK OF CAMBRIDGE, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 41,223,000 | 40,508,000 | 40,669,000 | 40,570,000 |
| Total loans | 23,204,000 | 24,847,000 | 27,144,000 | 28,253,000 |
| Allowance for loan losses | 205,000 | 206,000 | 207,000 | 208,000 |
| Securities available for sale | 10,768,000 | 10,601,000 | 10,107,000 | 8,284,000 |
| Securities held to maturity | 413,000 | 452,000 | 554,000 | 653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,824,000 | 36,080,000 | 35,985,000 | 35,339,000 |
| Interest-bearing deposits | 34,497,000 | 33,461,000 | 32,420,000 | 31,944,000 |
| Noninterest-bearing deposits | 2,327,000 | 2,619,000 | 3,565,000 | 3,395,000 |
| Equity capital | 3,959,000 | 3,978,000 | 4,164,000 | 4,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,431,000 | 2,116,000 | 2,793,000 |
| Interest expense | 460,000 | 908,000 | 1,283,000 | 1,624,000 |
| Net interest income | 276,000 | 523,000 | 833,000 | 1,169,000 |
| Noninterest income | 40,000 | 98,000 | 178,000 | 265,000 |
| Noninterest expense | 257,000 | 528,000 | 791,000 | 1,057,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 84,000 | 211,000 | 375,000 |
| Income tax | 3,000 | 19,000 | 19,000 | 56,000 |
| Net income | 44,000 | 65,000 | 192,000 | 319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,888,000 | 3,910,000 | 4,036,000 | 4,013,000 |
| Total capital | 4,093,000 | 4,116,000 | 4,243,000 | 4,221,000 |
| Risk-weighted assets | 30,795,000 | 29,245,000 | 29,238,000 | 29,054,000 |