Call reports 2013
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2013
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 89,211,000 | 86,861,000 | 86,228,000 | 88,090,000 |
| Total loans | 46,495,000 | 46,961,000 | 48,271,000 | 48,415,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 16,452,000 | 16,049,000 | 15,977,000 | 15,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,457,000 | 67,267,000 | 66,535,000 | 68,348,000 |
| Interest-bearing deposits | 66,449,000 | 65,644,000 | 65,318,000 | 65,613,000 |
| Noninterest-bearing deposits | 3,008,000 | 1,623,000 | 1,217,000 | 2,735,000 |
| Equity capital | 19,130,000 | 19,042,000 | 19,106,000 | 19,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,386,000 | 2,080,000 | 2,753,000 |
| Interest expense | 133,000 | 262,000 | 382,000 | 502,000 |
| Net interest income | 572,000 | 1,124,000 | 1,698,000 | 2,251,000 |
| Noninterest income | 8,000 | 17,000 | 25,000 | 34,000 |
| Noninterest expense | 394,000 | 741,000 | 1,168,000 | 1,616,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 337,000 | 493,000 | 607,000 |
| Income tax | 83,000 | 141,000 | 204,000 | 247,000 |
| Net income | 103,000 | 196,000 | 289,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,957,000 | 18,051,000 | 18,144,000 | 18,214,000 |
| Total capital | 18,748,000 | 18,867,000 | 18,977,000 | 19,082,000 |
| Risk-weighted assets | 34,409,000 | 34,669,000 | 35,578,000 | 35,972,000 |