Call reports 2002
CAMBRIDGE BANK — 2002
What CAMBRIDGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 184,528,000 | 199,586,000 | 211,698,000 | 219,418,000 |
| Total loans | 126,053,000 | 142,415,000 | 151,077,000 | 161,306,000 |
| Allowance for loan losses | 1,531,000 | 1,831,000 | 2,046,000 | 1,615,000 |
| Securities available for sale | 43,721,000 | 41,505,000 | 42,236,000 | 38,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,109,000 | 175,801,000 | 182,963,000 | 193,222,000 |
| Interest-bearing deposits | 148,340,000 | 154,709,000 | 160,746,000 | 167,610,000 |
| Noninterest-bearing deposits | 17,769,000 | 21,092,000 | 22,218,000 | 25,612,000 |
| Equity capital | 12,181,000 | 16,715,000 | 17,564,000 | 18,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,955,000 | 6,173,000 | 9,549,000 | 12,990,000 |
| Interest expense | 1,184,000 | 2,313,000 | 3,454,000 | 4,533,000 |
| Net interest income | 1,771,000 | 3,860,000 | 6,095,000 | 8,457,000 |
| Noninterest income | 136,000 | 278,000 | 553,000 | 807,000 |
| Noninterest expense | 1,239,000 | 2,567,000 | 4,002,000 | 5,461,000 |
| Provision for loan losses | 300,000 | 588,000 | 813,000 | 1,013,000 |
| Pretax income | 368,000 | 1,047,000 | 1,897,000 | 2,861,000 |
| Income tax | 59,000 | 173,000 | 488,000 | 776,000 |
| Net income | 309,000 | 874,000 | 1,409,000 | 2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,555,000 | 15,920,000 | 16,368,000 | 17,044,000 |
| Total capital | 13,086,000 | 17,751,000 | 18,414,000 | 18,659,000 |
| Risk-weighted assets | 150,844,000 | 162,314,000 | 171,289,000 | 183,099,000 |