Call reports 2005
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2005
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,420,000 | 85,775,000 | 84,085,000 | 85,011,000 |
| Total loans | 43,822,000 | 44,075,000 | 42,714,000 | 41,763,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 29,711,000 | 30,889,000 | 30,681,000 | 30,865,000 |
| Securities held to maturity | 2,003,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,055,000 | 68,097,000 | 66,500,000 | 67,057,000 |
| Interest-bearing deposits | 66,593,000 | 66,423,000 | 65,498,000 | 65,735,000 |
| Noninterest-bearing deposits | 3,462,000 | 1,674,000 | 1,002,000 | 1,322,000 |
| Equity capital | 16,296,000 | 16,561,000 | 16,566,000 | 16,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,864,000 | 2,827,000 | 3,833,000 |
| Interest expense | 347,000 | 705,000 | 1,083,000 | 1,495,000 |
| Net interest income | 565,000 | 1,159,000 | 1,744,000 | 2,338,000 |
| Noninterest income | 8,000 | 16,000 | 23,000 | 31,000 |
| Noninterest expense | 337,000 | 671,000 | 1,012,000 | 1,354,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 236,000 | 504,000 | 755,000 | 1,015,000 |
| Income tax | 90,000 | 186,000 | 283,000 | 365,000 |
| Net income | 146,000 | 318,000 | 472,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,828,000 | 15,000,000 | 15,154,000 | 15,331,000 |
| Total capital | 16,430,000 | 16,628,000 | 16,677,000 | 16,894,000 |
| Risk-weighted assets | 45,908,000 | 45,434,000 | 43,450,000 | 38,817,000 |