Call reports 2005
FIRST NATIONAL BANK OF CAMBRIDGE, THE — 2005
What FIRST NATIONAL BANK OF CAMBRIDGE, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,084,000 | 37,417,000 | 36,347,000 | 36,988,000 |
| Total loans | 23,047,000 | 22,706,000 | 21,809,000 | 21,974,000 |
| Allowance for loan losses | 463,000 | 440,000 | 446,000 | 448,000 |
| Securities available for sale | 11,675,000 | 11,707,000 | 11,186,000 | 11,827,000 |
| Securities held to maturity | 88,000 | 86,000 | 85,000 | 82,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,473,000 | 32,667,000 | 31,430,000 | 31,737,000 |
| Interest-bearing deposits | 29,588,000 | 28,929,000 | 28,173,000 | 27,846,000 |
| Noninterest-bearing deposits | 2,885,000 | 3,738,000 | 3,257,000 | 3,891,000 |
| Equity capital | 4,500,000 | 4,548,000 | 4,640,000 | 4,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 954,000 | 1,470,000 | 2,039,000 |
| Interest expense | 149,000 | 306,000 | 467,000 | 633,000 |
| Net interest income | 334,000 | 648,000 | 1,003,000 | 1,406,000 |
| Noninterest income | 74,000 | 130,000 | 308,000 | 362,000 |
| Noninterest expense | 337,000 | 674,000 | 1,063,000 | 1,367,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 105,000 | 249,000 | 402,000 |
| Income tax | 14,000 | 16,000 | 62,000 | 99,000 |
| Net income | 58,000 | 89,000 | 187,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,554,000 | 4,585,000 | 4,683,000 | 4,516,000 |
| Total capital | 4,861,000 | 4,888,000 | 4,979,000 | 4,821,000 |
| Risk-weighted assets | 24,401,000 | 24,140,000 | 23,502,000 | 24,229,000 |