Call reports 2007
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2007
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 90,928,000 | 90,396,000 | 89,101,000 | 89,316,000 |
| Total loans | 39,549,000 | 39,050,000 | 37,732,000 | 37,591,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 12,347,000 | 12,167,000 | 12,215,000 | 11,734,000 |
| Securities held to maturity | 20,251,000 | 20,269,000 | 20,290,000 | 20,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,880,000 | 71,372,000 | 70,044,000 | 70,760,000 |
| Interest-bearing deposits | 70,783,000 | 70,149,000 | 69,179,000 | 69,609,000 |
| Noninterest-bearing deposits | 1,097,000 | 1,223,000 | 865,000 | 1,151,000 |
| Equity capital | 17,866,000 | 17,937,000 | 18,039,000 | 17,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,185,000 | 2,453,000 | 3,665,000 | 4,812,000 |
| Interest expense | 603,000 | 1,228,000 | 1,873,000 | 2,516,000 |
| Net interest income | 582,000 | 1,225,000 | 1,792,000 | 2,296,000 |
| Noninterest income | 7,000 | 17,000 | 25,000 | 33,000 |
| Noninterest expense | 372,000 | 739,000 | 1,157,000 | 1,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 217,000 | 510,000 | 667,000 | 807,000 |
| Income tax | 73,000 | 169,000 | 220,000 | 270,000 |
| Net income | 144,000 | 341,000 | 447,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,200,000 | 16,396,000 | 16,502,000 | 16,592,000 |
| Total capital | 17,911,000 | 18,017,000 | 18,103,000 | 17,940,000 |
| Risk-weighted assets | 43,505,000 | 43,395,000 | 42,616,000 | 42,926,000 |