Call reports 2010
FIRST NATIONAL BANK OF CAMBRIDGE, THE — 2010
What FIRST NATIONAL BANK OF CAMBRIDGE, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 45,158,000 | 45,440,000 | 46,291,000 | 49,769,000 |
| Total loans | 23,248,000 | 25,151,000 | 26,147,000 | 24,766,000 |
| Allowance for loan losses | 351,000 | 351,000 | 351,000 | 351,000 |
| Securities available for sale | 12,078,000 | 12,426,000 | 10,973,000 | 12,811,000 |
| Securities held to maturity | 61,000 | 57,000 | 52,000 | 48,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,164,000 | 39,971,000 | 40,662,000 | 45,010,000 |
| Interest-bearing deposits | 34,687,000 | 35,108,000 | 35,040,000 | 37,082,000 |
| Noninterest-bearing deposits | 5,477,000 | 4,863,000 | 5,622,000 | 7,928,000 |
| Equity capital | 4,886,000 | 5,010,000 | 5,101,000 | 4,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,019,000 | 1,541,000 | 2,026,000 |
| Interest expense | 146,000 | 289,000 | 422,000 | 538,000 |
| Net interest income | 361,000 | 730,000 | 1,119,000 | 1,488,000 |
| Noninterest income | 104,000 | 179,000 | 470,000 | 520,000 |
| Noninterest expense | 361,000 | 719,000 | 1,267,000 | 1,584,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 104,000 | 176,000 | 310,000 | 412,000 |
| Income tax | 4,000 | 6,000 | 11,000 | 17,000 |
| Net income | 100,000 | 170,000 | 299,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,831,000 | 4,885,000 | 4,999,000 | 4,780,000 |
| Total capital | 5,172,000 | 5,236,000 | 5,350,000 | 5,131,000 |
| Risk-weighted assets | 27,265,000 | 28,673,000 | 29,514,000 | 29,097,000 |
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