Call reports 2006
CAMBRIDGE BANK — 2006
What CAMBRIDGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 306,942,000 | 316,258,000 | 320,932,000 | 387,021,000 |
| Total loans | 214,077,000 | 223,301,000 | 230,669,000 | 235,956,000 |
| Allowance for loan losses | 2,039,000 | 2,112,000 | 2,184,000 | 2,214,000 |
| Securities available for sale | 64,507,000 | 63,323,000 | 59,333,000 | 64,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,079,000 | 271,398,000 | 270,032,000 | 290,682,000 |
| Interest-bearing deposits | 222,997,000 | 232,134,000 | 235,388,000 | 256,994,000 |
| Noninterest-bearing deposits | 38,083,000 | 39,264,000 | 34,643,000 | 33,688,000 |
| Equity capital | 29,676,000 | 30,352,000 | 31,896,000 | 77,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,782,000 | 10,056,000 | 15,596,000 | 4,061,000 |
| Interest expense | 1,838,000 | 3,979,000 | 6,428,000 | 1,692,000 |
| Net interest income | 2,944,000 | 6,077,000 | 9,168,000 | 2,369,000 |
| Noninterest income | 299,000 | 595,000 | 922,000 | 199,000 |
| Noninterest expense | 1,670,000 | 3,316,000 | 5,032,000 | 997,000 |
| Provision for loan losses | 25,000 | 100,000 | 175,000 | 0 |
| Pretax income | 1,548,000 | 3,256,000 | 4,917,000 | 1,611,000 |
| Income tax | 510,000 | 1,063,000 | 1,597,000 | 550,000 |
| Net income | 1,038,000 | 2,193,000 | 3,320,000 | 1,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,672,000 | 30,695,000 | 31,975,000 | 28,870,000 |
| Total capital | 31,711,000 | 32,807,000 | 34,159,000 | 31,084,000 |
| Risk-weighted assets | 249,988,000 | 263,491,000 | 272,878,000 | 275,392,000 |