Call reports 2012
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2012
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 88,169,000 | 88,372,000 | 89,609,000 | 87,763,000 |
| Total loans | 46,771,000 | 48,195,000 | 47,970,000 | 47,408,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 19,431,000 | 18,144,000 | 17,754,000 | 17,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,879,000 | 69,040,000 | 69,982,000 | 68,193,000 |
| Interest-bearing deposits | 67,667,000 | 68,148,000 | 68,235,000 | 67,119,000 |
| Noninterest-bearing deposits | 1,212,000 | 892,000 | 1,747,000 | 1,074,000 |
| Equity capital | 18,566,000 | 18,710,000 | 18,933,000 | 19,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,519,000 | 2,274,000 | 3,008,000 |
| Interest expense | 165,000 | 322,000 | 477,000 | 619,000 |
| Net interest income | 601,000 | 1,197,000 | 1,797,000 | 2,389,000 |
| Noninterest income | 8,000 | 15,000 | 23,000 | 32,000 |
| Noninterest expense | 451,000 | 876,000 | 1,292,000 | 1,701,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 158,000 | 336,000 | 528,000 | 720,000 |
| Income tax | 61,000 | 115,000 | 180,000 | 257,000 |
| Net income | 97,000 | 221,000 | 348,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,488,000 | 17,613,000 | 17,740,000 | 17,854,000 |
| Total capital | 18,239,000 | 18,345,000 | 18,494,000 | 18,602,000 |
| Risk-weighted assets | 35,325,000 | 36,410,000 | 35,742,000 | 35,220,000 |