Call reports 2015
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2015
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 88,521,000 | 88,064,000 | 89,357,000 | 90,565,000 |
| Total loans | 48,287,000 | 48,272,000 | 48,685,000 | 48,317,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 15,739,000 | 16,632,000 | 16,467,000 | 8,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,366,000 | 67,970,000 | 69,214,000 | 70,521,000 |
| Interest-bearing deposits | 67,186,000 | 66,454,000 | 67,567,000 | 68,728,000 |
| Noninterest-bearing deposits | 1,180,000 | 1,516,000 | 1,647,000 | 1,793,000 |
| Equity capital | 19,619,000 | 19,628,000 | 19,651,000 | 19,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 675,000 | 1,332,000 | 2,007,000 | 2,675,000 |
| Interest expense | 122,000 | 240,000 | 362,000 | 485,000 |
| Net interest income | 553,000 | 1,092,000 | 1,645,000 | 2,190,000 |
| Noninterest income | 8,000 | 16,000 | 23,000 | 30,000 |
| Noninterest expense | 417,000 | 860,000 | 1,314,000 | 1,780,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 248,000 | 359,000 | 411,000 |
| Income tax | 46,000 | 83,000 | 122,000 | 148,000 |
| Net income | 98,000 | 165,000 | 237,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,614,000 | 18,681,000 | 18,754,000 | 18,779,000 |
| Total capital | 19,633,000 | 19,684,000 | 19,269,000 | 19,667,000 |
| Risk-weighted assets | 42,941,000 | 42,022,000 | 41,145,000 | 33,481,000 |