Call reports 2006
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2006
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 85,043,000 | 85,566,000 | 86,986,000 | 88,011,000 |
| Total loans | 40,946,000 | 41,261,000 | 40,414,000 | 39,405,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 28,386,000 | 26,355,000 | 19,768,000 | 16,920,000 |
| Securities held to maturity | 2,972,000 | 4,954,000 | 12,446,000 | 15,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,926,000 | 67,359,000 | 68,222,000 | 68,988,000 |
| Interest-bearing deposits | 65,953,000 | 66,494,000 | 66,879,000 | 68,071,000 |
| Noninterest-bearing deposits | 973,000 | 865,000 | 1,343,000 | 917,000 |
| Equity capital | 17,013,000 | 17,168,000 | 17,563,000 | 17,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,156,000 | 3,305,000 | 4,468,000 |
| Interest expense | 437,000 | 914,000 | 1,442,000 | 2,014,000 |
| Net interest income | 613,000 | 1,242,000 | 1,863,000 | 2,454,000 |
| Noninterest income | 7,000 | 15,000 | 24,000 | 45,000 |
| Noninterest expense | 343,000 | 693,000 | 1,048,000 | 1,393,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 277,000 | 564,000 | 839,000 | 1,106,000 |
| Income tax | 111,000 | 192,000 | 286,000 | 382,000 |
| Net income | 166,000 | 372,000 | 553,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,497,000 | 15,703,000 | 15,884,000 | 16,055,000 |
| Total capital | 17,119,000 | 17,298,000 | 17,607,000 | 17,808,000 |
| Risk-weighted assets | 42,258,000 | 42,652,000 | 42,877,000 | 42,039,000 |