Call reports 2017
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2017
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 90,280,000 | 88,828,000 | 90,099,000 | 89,932,000 |
| Total loans | 52,143,000 | 52,940,000 | 52,671,000 | 51,863,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 11,996,000 | 16,986,000 | 16,994,000 | 16,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,639,000 | 68,096,000 | 69,322,000 | 69,083,000 |
| Interest-bearing deposits | 68,137,000 | 66,716,000 | 67,588,000 | 67,693,000 |
| Noninterest-bearing deposits | 1,502,000 | 1,380,000 | 1,734,000 | 1,390,000 |
| Equity capital | 20,088,000 | 20,155,000 | 20,245,000 | 20,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 654,000 | 1,325,000 | 2,008,000 | 2,687,000 |
| Interest expense | 118,000 | 239,000 | 362,000 | 484,000 |
| Net interest income | 536,000 | 1,086,000 | 1,646,000 | 2,203,000 |
| Noninterest income | 8,000 | 16,000 | 24,000 | 32,000 |
| Noninterest expense | 438,000 | 874,000 | 1,322,000 | 1,758,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 228,000 | 348,000 | 477,000 |
| Income tax | 29,000 | 77,000 | 118,000 | 166,000 |
| Net income | 77,000 | 151,000 | 230,000 | 311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,153,000 | 19,226,000 | 19,306,000 | 19,386,000 |
| Total capital | 20,238,000 | 20,345,000 | 20,446,000 | 20,575,000 |
| Risk-weighted assets | 38,036,000 | 39,683,000 | 39,618,000 | 40,175,000 |