Call reports 2003
CAMBRIDGE BANK — 2003
What CAMBRIDGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 219,006,000 | 235,114,000 | 246,275,000 | 255,009,000 |
| Total loans | 161,416,000 | 161,903,000 | 183,680,000 | 190,737,000 |
| Allowance for loan losses | 1,765,000 | 1,707,000 | 1,701,000 | 1,708,000 |
| Securities available for sale | 36,527,000 | 35,290,000 | 41,640,000 | 40,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,691,000 | 205,064,000 | 215,537,000 | 224,826,000 |
| Interest-bearing deposits | 172,319,000 | 178,666,000 | 187,164,000 | 194,869,000 |
| Noninterest-bearing deposits | 20,372,000 | 26,398,000 | 28,373,000 | 29,957,000 |
| Equity capital | 18,919,000 | 19,857,000 | 20,275,000 | 21,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,516,000 | 6,929,000 | 10,451,000 | 14,086,000 |
| Interest expense | 984,000 | 1,858,000 | 2,940,000 | 3,886,000 |
| Net interest income | 2,532,000 | 5,071,000 | 7,511,000 | 10,200,000 |
| Noninterest income | 206,000 | 507,000 | 798,000 | 1,051,000 |
| Noninterest expense | 1,424,000 | 2,889,000 | 4,387,000 | 5,918,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 1,209,000 | 2,583,000 | 3,816,000 | 5,227,000 |
| Income tax | 348,000 | 776,000 | 1,108,000 | 1,548,000 |
| Net income | 861,000 | 1,807,000 | 2,708,000 | 3,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,866,000 | 18,519,000 | 19,306,000 | 20,180,000 |
| Total capital | 19,631,000 | 20,226,000 | 21,007,000 | 21,888,000 |
| Risk-weighted assets | 183,168,000 | 187,770,000 | 208,101,000 | 213,091,000 |