Call reports 2004
FIRST NATIONAL BANK OF CAMBRIDGE, THE — 2004
What FIRST NATIONAL BANK OF CAMBRIDGE, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,969,000 | 38,062,000 | 37,261,000 | 36,818,000 |
| Total loans | 25,363,000 | 24,715,000 | 24,304,000 | 23,309,000 |
| Allowance for loan losses | 434,000 | 426,000 | 407,000 | 461,000 |
| Securities available for sale | 11,241,000 | 11,533,000 | 10,513,000 | 10,770,000 |
| Securities held to maturity | 114,000 | 108,000 | 100,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,208,000 | 33,225,000 | 32,403,000 | 32,226,000 |
| Interest-bearing deposits | 32,029,000 | 30,334,000 | 29,423,000 | 28,806,000 |
| Noninterest-bearing deposits | 3,179,000 | 2,891,000 | 2,980,000 | 3,420,000 |
| Equity capital | 4,544,000 | 4,477,000 | 4,625,000 | 4,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 992,000 | 1,455,000 | 1,968,000 |
| Interest expense | 169,000 | 320,000 | 466,000 | 617,000 |
| Net interest income | 339,000 | 672,000 | 989,000 | 1,351,000 |
| Noninterest income | 84,000 | 137,000 | 291,000 | 405,000 |
| Noninterest expense | 322,000 | 629,000 | 972,000 | 1,327,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 101,000 | 183,000 | 311,000 | 383,000 |
| Income tax | 24,000 | 42,000 | 78,000 | 89,000 |
| Net income | 77,000 | 141,000 | 233,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,452,000 | 4,517,000 | 4,609,000 | 4,496,000 |
| Total capital | 4,786,000 | 4,842,000 | 4,929,000 | 4,808,000 |
| Risk-weighted assets | 26,634,000 | 25,909,000 | 25,509,000 | 24,792,000 |