Call reports 2016
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2016
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 90,578,000 | 90,417,000 | 88,834,000 | 89,976,000 |
| Total loans | 47,790,000 | 49,271,000 | 49,221,000 | 51,892,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 9,018,000 | 10,997,000 | 10,900,000 | 11,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,403,000 | 70,114,000 | 68,487,000 | 69,483,000 |
| Interest-bearing deposits | 68,773,000 | 67,541,000 | 66,984,000 | 67,629,000 |
| Noninterest-bearing deposits | 1,630,000 | 2,573,000 | 1,503,000 | 1,854,000 |
| Equity capital | 19,736,000 | 19,839,000 | 19,863,000 | 19,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,319,000 | 1,986,000 | 2,641,000 |
| Interest expense | 121,000 | 243,000 | 356,000 | 475,000 |
| Net interest income | 541,000 | 1,076,000 | 1,630,000 | 2,166,000 |
| Noninterest income | 8,000 | 18,000 | 26,000 | 34,000 |
| Noninterest expense | 452,000 | 875,000 | 1,330,000 | 1,760,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 97,000 | 219,000 | 326,000 | 440,000 |
| Income tax | 29,000 | 73,000 | 107,000 | 143,000 |
| Net income | 68,000 | 146,000 | 219,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,847,000 | 18,925,000 | 18,998,000 | 19,076,000 |
| Total capital | 19,784,000 | 19,822,000 | 19,892,000 | 20,115,000 |
| Risk-weighted assets | 38,439,000 | 33,090,000 | 33,359,000 | 35,397,000 |