Call reports 2012
FIRST NATIONAL BANK OF CAMBRIDGE, THE — 2012
What FIRST NATIONAL BANK OF CAMBRIDGE, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 54,822,000 | 49,489,000 | 49,484,000 | 52,258,000 |
| Total loans | 22,701,000 | 24,399,000 | 25,776,000 | 24,812,000 |
| Allowance for loan losses | 321,000 | 322,000 | 324,000 | 325,000 |
| Securities available for sale | 14,848,000 | 13,576,000 | 12,840,000 | 11,413,000 |
| Securities held to maturity | 128,000 | 124,000 | 83,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,839,000 | 43,444,000 | 44,200,000 | 47,146,000 |
| Interest-bearing deposits | 39,800,000 | 36,844,000 | 37,521,000 | 37,119,000 |
| Noninterest-bearing deposits | 10,039,000 | 6,600,000 | 6,679,000 | 10,027,000 |
| Equity capital | 4,897,000 | 5,006,000 | 5,091,000 | 5,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 777,000 | 1,174,000 | 1,546,000 |
| Interest expense | 72,000 | 133,000 | 190,000 | 239,000 |
| Net interest income | 326,000 | 644,000 | 984,000 | 1,307,000 |
| Noninterest income | 82,000 | 373,000 | 421,000 | 457,000 |
| Noninterest expense | 359,000 | 875,000 | 1,199,000 | 1,537,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 49,000 | 143,000 | 207,000 | 228,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 47,000 | 138,000 | 200,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,819,000 | 4,895,000 | 4,942,000 | 4,945,000 |
| Total capital | 5,140,000 | 5,217,000 | 5,266,000 | 5,270,000 |
| Risk-weighted assets | 26,674,000 | 27,801,000 | 28,980,000 | 28,372,000 |