Call reports 2009
FIRST NATIONAL BANK OF CAMBRIDGE, THE — 2009
What FIRST NATIONAL BANK OF CAMBRIDGE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 41,847,000 | 41,785,000 | 42,089,000 | 44,635,000 |
| Total loans | 24,227,000 | 26,359,000 | 27,202,000 | 25,333,000 |
| Allowance for loan losses | 336,000 | 351,000 | 351,000 | 351,000 |
| Securities available for sale | 9,092,000 | 8,355,000 | 8,072,000 | 9,773,000 |
| Securities held to maturity | 74,000 | 72,000 | 68,000 | 65,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,871,000 | 36,289,000 | 36,810,000 | 39,201,000 |
| Interest-bearing deposits | 32,164,000 | 31,364,000 | 31,672,000 | 33,260,000 |
| Noninterest-bearing deposits | 4,707,000 | 4,925,000 | 5,138,000 | 5,941,000 |
| Equity capital | 4,844,000 | 4,919,000 | 5,048,000 | 4,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 1,063,000 | 1,613,000 | 2,136,000 |
| Interest expense | 173,000 | 338,000 | 493,000 | 642,000 |
| Net interest income | 350,000 | 725,000 | 1,120,000 | 1,494,000 |
| Noninterest income | 132,000 | 207,000 | 561,000 | 606,000 |
| Noninterest expense | 353,000 | 717,000 | 1,303,000 | 1,609,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 215,000 | 378,000 | 483,000 |
| Income tax | 4,000 | 8,000 | 13,000 | 17,000 |
| Net income | 125,000 | 207,000 | 365,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,750,000 | 4,816,000 | 4,960,000 | 4,745,000 |
| Total capital | 5,086,000 | 5,167,000 | 5,311,000 | 5,096,000 |
| Risk-weighted assets | 28,379,000 | 29,975,000 | 30,878,000 | 29,665,000 |