Call reports 2001
CAMBRIDGE BANK — 2001
What CAMBRIDGE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 178,952,000 | 181,165,000 | 180,686,000 | 182,482,000 |
| Total loans | 111,496,000 | 119,867,000 | 121,520,000 | 119,657,000 |
| Allowance for loan losses | 1,064,000 | 1,389,000 | 850,000 | 1,450,000 |
| Securities available for sale | 49,072,000 | 45,048,000 | 40,287,000 | 43,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,916,000 | 160,149,000 | 156,414,000 | 160,443,000 |
| Interest-bearing deposits | 140,020,000 | 144,511,000 | 139,443,000 | 142,043,000 |
| Noninterest-bearing deposits | 13,896,000 | 15,638,000 | 16,971,000 | 18,400,000 |
| Equity capital | 12,108,000 | 11,998,000 | 12,311,000 | 11,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,246,000 | 6,497,000 | 9,820,000 | 12,867,000 |
| Interest expense | 2,008,000 | 3,908,000 | 5,642,000 | 7,050,000 |
| Net interest income | 1,238,000 | 2,589,000 | 4,178,000 | 5,817,000 |
| Noninterest income | 126,000 | 277,000 | 387,000 | 517,000 |
| Noninterest expense | 1,155,000 | 2,368,000 | 3,597,000 | 4,812,000 |
| Provision for loan losses | 75,000 | 400,000 | 1,000,000 | 1,600,000 |
| Pretax income | 134,000 | 89,000 | -36,000 | -82,000 |
| Income tax | -26,000 | -116,000 | -239,000 | -287,000 |
| Net income | 160,000 | 205,000 | 203,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,219,000 | 11,246,000 | 11,244,000 | 11,246,000 |
| Total capital | 12,283,000 | 12,635,000 | 12,094,000 | 12,696,000 |
| Risk-weighted assets | 130,861,000 | 143,559,000 | 141,082,000 | 144,766,000 |