Call reports 2001
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2001
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 80,125,000 | 83,963,000 | 83,387,000 | 83,715,000 |
| Total loans | 37,961,000 | 38,448,000 | 38,655,000 | 40,835,000 |
| Allowance for loan losses | 581,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 19,282,000 | 21,919,000 | 25,449,000 | 30,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,016,000 | 68,597,000 | 67,918,000 | 68,431,000 |
| Interest-bearing deposits | 62,863,000 | 63,763,000 | 65,738,000 | 66,329,000 |
| Noninterest-bearing deposits | 2,153,000 | 4,834,000 | 2,180,000 | 2,102,000 |
| Equity capital | 13,656,000 | 13,849,000 | 14,007,000 | 14,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,308,000 | 2,529,000 | 3,759,000 | 4,926,000 |
| Interest expense | 695,000 | 1,395,000 | 2,093,000 | 2,756,000 |
| Net interest income | 613,000 | 1,134,000 | 1,666,000 | 2,170,000 |
| Noninterest income | 8,000 | 16,000 | 25,000 | 33,000 |
| Noninterest expense | 299,000 | 589,000 | 870,000 | 1,170,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 322,000 | 561,000 | 821,000 | 1,033,000 |
| Income tax | 129,000 | 221,000 | 326,000 | 361,000 |
| Net income | 193,000 | 340,000 | 495,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,266,000 | 12,413,000 | 12,568,000 | 12,745,000 |
| Total capital | 13,539,000 | 13,800,000 | 14,029,000 | 14,191,000 |
| Risk-weighted assets | 31,019,000 | 33,003,000 | 49,730,000 | 47,182,000 |