Call reports 2005
CAMBRIDGE BANK — 2005
What CAMBRIDGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 285,913,000 | 285,965,000 | 288,536,000 | 302,445,000 |
| Total loans | 214,535,000 | 212,354,000 | 203,785,000 | 199,904,000 |
| Allowance for loan losses | 2,057,000 | 2,113,000 | 2,109,000 | 2,109,000 |
| Securities available for sale | 45,514,000 | 45,890,000 | 48,345,000 | 57,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,445,000 | 247,247,000 | 249,447,000 | 259,561,000 |
| Interest-bearing deposits | 209,905,000 | 207,790,000 | 210,975,000 | 220,686,000 |
| Noninterest-bearing deposits | 35,540,000 | 39,457,000 | 38,471,000 | 38,875,000 |
| Equity capital | 25,705,000 | 26,735,000 | 27,796,000 | 28,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,241,000 | 8,827,000 | 13,536,000 | 18,341,000 |
| Interest expense | 1,142,000 | 2,501,000 | 3,962,000 | 5,623,000 |
| Net interest income | 3,099,000 | 6,326,000 | 9,574,000 | 12,718,000 |
| Noninterest income | 298,000 | 610,000 | 948,000 | 1,249,000 |
| Noninterest expense | 1,705,000 | 3,427,000 | 5,134,000 | 6,875,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 1,545,000 | 3,369,000 | 5,292,000 | 6,996,000 |
| Income tax | 492,000 | 1,357,000 | 2,001,000 | 2,562,000 |
| Net income | 1,053,000 | 2,012,000 | 3,291,000 | 4,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,021,000 | 25,920,000 | 27,115,000 | 28,567,000 |
| Total capital | 27,078,000 | 28,033,000 | 29,224,000 | 30,676,000 |
| Risk-weighted assets | 246,227,000 | 243,820,000 | 242,817,000 | 242,003,000 |