Call reports 2007
CAMBRIDGE BANK — 2007
What CAMBRIDGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 396,038,000 | 414,138,000 | 428,851,000 | 444,843,000 |
| Total loans | 240,264,000 | 267,795,000 | 269,724,000 | 295,971,000 |
| Allowance for loan losses | 2,394,000 | 2,547,000 | 2,508,000 | 2,400,000 |
| Securities available for sale | 66,256,000 | 66,561,000 | 61,025,000 | 61,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,928,000 | 317,183,000 | 317,661,000 | 320,809,000 |
| Interest-bearing deposits | 266,071,000 | 281,806,000 | 284,630,000 | 288,794,000 |
| Noninterest-bearing deposits | 31,856,000 | 35,377,000 | 33,031,000 | 32,014,000 |
| Equity capital | 79,058,000 | 79,103,000 | 83,047,000 | 84,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,015,000 | 12,335,000 | 18,942,000 | 25,393,000 |
| Interest expense | 2,566,000 | 5,495,000 | 8,758,000 | 12,106,000 |
| Net interest income | 3,449,000 | 6,840,000 | 10,184,000 | 13,287,000 |
| Noninterest income | 309,000 | 651,000 | 1,004,000 | 1,505,000 |
| Noninterest expense | 1,824,000 | 3,611,000 | 5,502,000 | 9,062,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 400,000 |
| Pretax income | 1,850,000 | 3,645,000 | 5,362,000 | 5,410,000 |
| Income tax | 608,000 | 1,189,000 | 1,739,000 | 1,615,000 |
| Net income | 1,242,000 | 2,456,000 | 3,623,000 | 3,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,046,000 | 30,329,000 | 33,455,000 | 34,266,000 |
| Total capital | 32,440,000 | 32,876,000 | 35,963,000 | 36,666,000 |
| Risk-weighted assets | 282,144,000 | 312,082,000 | 313,888,000 | 356,463,000 |