Call reports 2006
FIRST NATIONAL BANK OF CAMBRIDGE, THE — 2006
What FIRST NATIONAL BANK OF CAMBRIDGE, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 36,176,000 | 35,613,000 | 35,383,000 | 37,547,000 |
| Total loans | 21,935,000 | 22,243,000 | 22,417,000 | 21,543,000 |
| Allowance for loan losses | 448,000 | 448,000 | 449,000 | 448,000 |
| Securities available for sale | 10,254,000 | 9,021,000 | 8,704,000 | 9,016,000 |
| Securities held to maturity | 81,000 | 79,000 | 78,000 | 76,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,440,000 | 30,749,000 | 30,304,000 | 32,779,000 |
| Interest-bearing deposits | 27,858,000 | 26,512,000 | 26,780,000 | 27,234,000 |
| Noninterest-bearing deposits | 3,582,000 | 4,237,000 | 3,524,000 | 5,545,000 |
| Equity capital | 4,519,000 | 4,576,000 | 4,688,000 | 4,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,054,000 | 1,601,000 | 2,165,000 |
| Interest expense | 173,000 | 354,000 | 544,000 | 760,000 |
| Net interest income | 341,000 | 700,000 | 1,057,000 | 1,405,000 |
| Noninterest income | 78,000 | 142,000 | 308,000 | 339,000 |
| Noninterest expense | 337,000 | 675,000 | 1,084,000 | 1,389,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 79,000 | 164,000 | 278,000 | 355,000 |
| Income tax | 18,000 | 43,000 | 76,000 | 87,000 |
| Net income | 61,000 | 121,000 | 202,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,577,000 | 4,637,000 | 4,719,000 | 4,534,000 |
| Total capital | 4,878,000 | 4,945,000 | 5,034,000 | 4,842,000 |
| Risk-weighted assets | 23,949,000 | 24,516,000 | 25,023,000 | 24,503,000 |