Call reports 2004
CAMBRIDGE BANK — 2004
What CAMBRIDGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 257,780,000 | 277,201,000 | 279,377,000 | 284,184,000 |
| Total loans | 192,307,000 | 207,066,000 | 211,487,000 | 217,776,000 |
| Allowance for loan losses | 1,675,000 | 1,698,000 | 1,787,000 | 1,900,000 |
| Securities available for sale | 41,361,000 | 41,676,000 | 44,676,000 | 42,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,752,000 | 246,535,000 | 244,367,000 | 245,218,000 |
| Interest-bearing deposits | 198,347,000 | 208,662,000 | 203,353,000 | 209,203,000 |
| Noninterest-bearing deposits | 29,405,000 | 37,873,000 | 41,014,000 | 36,015,000 |
| Equity capital | 22,524,000 | 22,596,000 | 24,056,000 | 24,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,571,000 | 7,329,000 | 11,215,000 | 15,443,000 |
| Interest expense | 945,000 | 1,895,000 | 2,925,000 | 3,950,000 |
| Net interest income | 2,626,000 | 5,434,000 | 8,290,000 | 11,493,000 |
| Noninterest income | 244,000 | 472,000 | 707,000 | 978,000 |
| Noninterest expense | 1,520,000 | 3,090,000 | 4,662,000 | 6,410,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 325,000 |
| Pretax income | 1,275,000 | 2,666,000 | 4,110,000 | 5,741,000 |
| Income tax | 399,000 | 919,000 | 1,295,000 | 1,826,000 |
| Net income | 876,000 | 1,747,000 | 2,815,000 | 3,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,258,000 | 21,984,000 | 23,102,000 | 23,950,000 |
| Total capital | 22,933,000 | 23,682,000 | 24,889,000 | 25,850,000 |
| Risk-weighted assets | 217,034,000 | 234,744,000 | 238,963,000 | 247,452,000 |