Call reports 2014
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2014
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 88,492,000 | 88,133,000 | 89,753,000 | 88,642,000 |
| Total loans | 47,465,000 | 47,844,000 | 47,260,000 | 48,105,000 |
| Allowance for loan losses | 581,000 | 581,000 | 581,000 | 582,000 |
| Securities available for sale | 15,950,000 | 15,939,000 | 15,794,000 | 15,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,548,000 | 68,135,000 | 69,756,000 | 68,548,000 |
| Interest-bearing deposits | 66,663,000 | 66,737,000 | 68,545,000 | 67,513,000 |
| Noninterest-bearing deposits | 1,885,000 | 1,398,000 | 1,211,000 | 1,035,000 |
| Equity capital | 19,337,000 | 19,455,000 | 19,467,000 | 19,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 671,000 | 1,337,000 | 2,003,000 | 2,677,000 |
| Interest expense | 116,000 | 237,000 | 359,000 | 484,000 |
| Net interest income | 555,000 | 1,100,000 | 1,644,000 | 2,193,000 |
| Noninterest income | 9,000 | 18,000 | 28,000 | 36,000 |
| Noninterest expense | 420,000 | 854,000 | 1,303,000 | 1,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 264,000 | 369,000 | 399,000 |
| Income tax | 47,000 | 69,000 | 86,000 | 97,000 |
| Net income | 97,000 | 195,000 | 283,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,312,000 | 18,410,000 | 18,497,000 | 18,516,000 |
| Total capital | 19,216,000 | 19,320,000 | 19,375,000 | 19,453,000 |
| Risk-weighted assets | 35,251,000 | 34,675,000 | 33,710,000 | 33,759,000 |