Call reports 2010
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2010
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 89,606,000 | 91,330,000 | 91,808,000 | 91,253,000 |
| Total loans | 44,280,000 | 45,996,000 | 46,829,000 | 48,449,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 27,273,000 | 28,079,000 | 27,883,000 | 32,063,000 |
| Securities held to maturity | 9,004,000 | 9,001,000 | 3,999,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,860,000 | 73,311,000 | 73,519,000 | 73,053,000 |
| Interest-bearing deposits | 70,444,000 | 70,736,000 | 72,339,000 | 70,876,000 |
| Noninterest-bearing deposits | 1,416,000 | 2,575,000 | 1,180,000 | 2,177,000 |
| Equity capital | 17,446,000 | 17,591,000 | 17,704,000 | 17,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 836,000 | 1,688,000 | 2,542,000 | 3,364,000 |
| Interest expense | 274,000 | 530,000 | 777,000 | 1,013,000 |
| Net interest income | 562,000 | 1,158,000 | 1,765,000 | 2,351,000 |
| Noninterest income | 9,000 | 17,000 | 25,000 | 61,000 |
| Noninterest expense | 419,000 | 783,000 | 1,242,000 | 1,705,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 152,000 | -87,000 | 69,000 | 228,000 |
| Income tax | 77,000 | 0 | 72,000 | 150,000 |
| Net income | 75,000 | -87,000 | -3,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,991,000 | 16,829,000 | 16,913,000 | 16,993,000 |
| Total capital | 17,628,000 | 17,650,000 | 17,662,000 | 17,846,000 |
| Risk-weighted assets | 51,782,000 | 52,435,000 | 39,070,000 | 50,817,000 |
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