Call reports 2004

NORTH CAMBRIDGE CO-OPERATIVE BANK — 2004

Name: NORTH CAMBRIDGE CO-OPERATIVE BANK — FFIEC call report 2004
Creator: NORTH CAMBRIDGE CO-OPERATIVE BANK

What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.

PERIOD: 2004SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/ca9e26ea-88e4-4ce9-b0ae-13212147a984/2004

Balance sheet

What the bank holds and owes at quarter end

Measure	2004Q1	2004Q2	2004Q3	2004Q4
Total assets	89,431,000	89,863,000	88,138,000	86,521,000
Total loans	43,522,000	42,211,000	42,199,000	42,638,000
Allowance for loan losses	582,000	582,000	582,000	582,000
Securities available for sale	28,594,000	27,253,000	28,898,000	28,017,000
Securities held to maturity	4,022,000	4,017,000	4,012,000	4,008,000
Trading assets	0	0	0	0
Total deposits	72,268,000	72,956,000	70,863,000	68,993,000
Interest-bearing deposits	70,722,000	71,112,000	69,287,000	67,812,000
Noninterest-bearing deposits	1,546,000	1,844,000	1,576,000	1,181,000
Equity capital	15,993,000	15,880,000	16,111,000	16,340,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2004Q1	2004Q2	2004Q3	2004Q4
Interest income	944,000	1,872,000	2,782,000	3,697,000
Interest expense	372,000	736,000	1,093,000	1,441,000
Net interest income	572,000	1,136,000	1,689,000	2,256,000
Noninterest income	9,000	18,000	26,000	34,000
Noninterest expense	331,000	673,000	1,014,000	1,350,000
Provision for loan losses	0	0	0	0
Pretax income	250,000	482,000	702,000	941,000
Income tax	95,000	182,000	264,000	336,000
Net income	155,000	300,000	438,000	605,000

Basel measures — not reported for every quarter

Measure	2004Q1	2004Q2	2004Q3	2004Q4
Tier 1 capital	14,232,000	14,377,000	14,515,000	14,682,000
Total capital	15,828,000	15,927,000	16,091,000	16,367,000
Risk-weighted assets	46,919,000	46,369,000	44,224,000	44,874,000