Cambridge Trust Company in Cambridge, Massachusetts (MA), NH
Overview, Financial Summary, Detailed Financial Reports, Branches

Cambridge Trust Company - Overview

  • General
  • FDIC Certificate #: 8152
    Status: Active
    Federal Reserve ID: 736206
    Bank Holding Company (Regulatory Top Holder): Cambridge Bancorp (RSSDID: 1115013, Location: Cambridge, MA)
    Date Established: January 01, 1890
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: Yes)
    FDIC's unique #: 5196
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 29, 2006
    Last Structure Change Process Date: September 29, 2006
    Last Data Update: September 29, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1336 Massachusetts Avenue, Cambridge, MA 2138
    County: Middlesex
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: North Boston
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Boston, MA-NH (#1120)
    Consolidated Metropolitan Statistical Area (CMSA): Boston-Worcester-Lawrence, MA-NH-ME-CT (#7)
    Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
    Core Based Statistical Area (CBSA): Boston-Cambridge-Quincy, MA-NH (#14460)
    CBSA Metro Statistical Area: Boston-Cambridge-Quincy, MA-NH (#14460)
    Core Based Statistical Division: Cambridge-Newton-Framingham, MA (#15764)
  • Financial Summary
  • Total assets: $1,275.9 mil
    Equity capital: $92.4 mil
    Deposits held in domestic offices: $1,129.9 mil
    Return on assets (ROA): 1.06% ($13.5 mil)
    Quarterly return on assets: 0.94% ($12.0 mil)
    Return on Equity (ROE): 13.86% ($12.8 mil)
    Quarterly return on equity: 12.49% ($11.5 mil)
    Net income: $12.5 mil
    Quarterly Net income: $2.9 mil
    Pretax return on assets: 1.54% ($19,648.3 mil)
    Quarterly Pretax return on assets: 1.33% ($16,969.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 203Total employees (full-time equivalent)
  • $1,275,861Total assets
  • $22,513Cash and due from depository institutions
  • $1,335Interest-bearing balances
  • $544,488Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $663,106Net loans & leases
  • $10,159Loan loss allowance
  • $0Trading account assets
  • $5,759Bank premises and fixed assets
  • $0Other real estate owned
  • $425Goodwill and other intangibles
  • $1,275,861Life insurance assets
  • $39,570All other assets
  • $1,183,443Total liabilities and capital
  • $1,129,871Total liabilities
  • $838,923Total deposits
  • $1,129,871Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 30000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $21,072Subordinated debt
  • $92,418All other liabilities
  • $92,418Total equity capital
  • $92,418Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $26,720Surplus
  • $64,198Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,203Income earned, not collected on loans
  • $0Earning assets
  • $4,423Long-term assets (5+ years)
  • $1,208,929Average Assets, year-to-date
  • $834,696Average Assets, quarterly
  • $1,182,582Volatile liabilities
  • $1,239,026Insider loans
  • $674,108FHLB advances
  • $1,244,748Loans and leases held for sale
  • $17,330Unused loan commitments
  • $650Tier 1 (core) risk-based capital
  • $90,377Tier 2 risk-based capital
  • $11,529Total risk weighted assets
  • $5,151Total unused commitments
  • $171,477Restructured Loans and leases
  • $1,071Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $47,663Total interest income
  • $3,931Total interest expense
  • $43,732Net interest income
  • $1,000Provision for loan and lease losses
  • $17,596Total noninterest income
  • $13,152Fiduciary activities
  • $2,264Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,180Additional noninterest income
  • $42,686Total noninterest expense
  • $25,290Salaries and employee benefits
  • $6,290Premises and equipment expense
  • $11,106Additional noninterest expense
  • $17,642Pre-tax net operating income
  • $552Securities gains (losses)
  • $5,717Applicable income taxes
  • $12,477Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,477Net income attributable to bank
  • $0Net charge-offs
  • $12,477Cash dividends
  • -$274Sale, conversion, retirement of capital stock, net
  • $5,675Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 3.89%Net interest margin
  • 1.57%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 13.86%Return on equity (ROE)
  • 7.56%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • -364.96%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,360Assets per employee
  • 6.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.48%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 844.47%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 58.69%Net loans and leases to core deposits
  • 60.98%Equity capital to assets
  • 7.24%Core capital (leverage) ratio
  • 7.26%Tier 1 risk-based capital ratio
  • 13.41%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,182,582Average earning assets
  • $90,021Average equity
  • $1,124,324Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,481,348Managed Assets
  • 1Number of Accounts
  • $1,464,117Personal trust and agency accounts
  • $1,036,443Employee benefit-defined contribution accounts
  • $5,766Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $105,812Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $251,905Other fiduciary accounts
  • $64,191Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1501Number of Accounts
  • $0Personal trust and agency accounts
  • $105,317Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $17,231Other retirement accounts
  • $7,664Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 11 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05196Cambridge Trust Company1336 Massachusetts Avenue, Cambridge, MA 2138January 01, 1890Full Service Brick and Mortar
    1218041Kendall Square Branch326 Main Street, Cambridge, MA 2138March 03, 1969Full Service Brick and Mortar
    2218042Huron Branch353 Huron Avenue, Cambridge, MA 2138October 16, 1974Full Service Brick and Mortar
    3218043Weston Branch494 Boston Post Road, Weston, MA 2493December 31, 1982Full Service Brick and Mortar
    5218045Massachusetts Avenue Branch1720 Massachusetts Avenue, Cambridge, MA 2138December 01, 1989Full Service Brick and Mortar
    6218046Main Street Branch75 Main Street, Concord, MA 1742October 19, 1990Full Service Brick and Mortar
    9218049Mit At University Park Branch350 Massachusetts Avenue, Cambridge, MA 2139June 15, 1998Full Service Brick and Mortar
    10218050Beacon Street65 Beacon Street, Boston, MA 2108October 26, 1998Full Service Brick and Mortar
    12364824Lincoln Branch152 Lincoln Road, Lincoln, MA 1773November 26, 2001Full Service Brick and Mortar
    13484937Belmont Branch361 Trapelo Road, Belmont, MA 2478December 29, 2008Full Service Brick and Mortar
    14512581Lexington Branch1690 Massachusetts Avenue, Lexington, MA 2420September 01, 2010Full Service Brick and Mortar
  • 2 New Hampshire Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    7218047Concord New Hampshire Trust Branch116 North Main Street, Concord, NH 3301November 01, 1996Limited Service Trust
    8218048Exeter New Hampshire Trust Branch237 Water Street, Exeter, NH 3833November 01, 1996Limited Service Trust

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