Call reports 2011
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2011
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 88,897,000 | 89,019,000 | 89,572,000 | 88,558,000 |
| Total loans | 49,569,000 | 49,520,000 | 48,880,000 | 48,218,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 27,979,000 | 27,929,000 | 27,932,000 | 19,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,734,000 | 70,531,000 | 70,701,000 | 69,476,000 |
| Interest-bearing deposits | 69,551,000 | 69,069,000 | 69,232,000 | 67,700,000 |
| Noninterest-bearing deposits | 1,183,000 | 1,462,000 | 1,469,000 | 1,776,000 |
| Equity capital | 17,763,000 | 17,952,000 | 18,239,000 | 18,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,670,000 | 2,497,000 | 3,304,000 |
| Interest expense | 218,000 | 426,000 | 626,000 | 805,000 |
| Net interest income | 621,000 | 1,244,000 | 1,871,000 | 2,499,000 |
| Noninterest income | 8,000 | 15,000 | 24,000 | 63,000 |
| Noninterest expense | 456,000 | 917,000 | 1,376,000 | 1,858,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 173,000 | 342,000 | 519,000 | 704,000 |
| Income tax | 75,000 | 153,000 | 228,000 | 305,000 |
| Net income | 98,000 | 189,000 | 291,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,091,000 | 17,182,000 | 17,284,000 | 17,392,000 |
| Total capital | 17,959,000 | 18,030,000 | 18,064,000 | 18,095,000 |
| Risk-weighted assets | 45,478,000 | 45,000,000 | 44,389,000 | 35,874,000 |