Call reports 2018
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2018
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 89,924,000 | 87,603,000 | 88,991,000 | 89,241,000 |
| Total loans | 51,520,000 | 50,791,000 | 53,003,000 | 54,232,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 16,849,000 | 18,785,000 | 16,842,000 | 17,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,092,000 | 66,742,000 | 67,920,000 | 68,213,000 |
| Interest-bearing deposits | 67,689,000 | 65,591,000 | 65,556,000 | 64,272,000 |
| Noninterest-bearing deposits | 1,403,000 | 1,151,000 | 2,364,000 | 3,941,000 |
| Equity capital | 20,434,000 | 20,522,000 | 20,744,000 | 20,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 687,000 | 1,391,000 | 2,099,000 | 2,840,000 |
| Interest expense | 130,000 | 265,000 | 405,000 | 551,000 |
| Net interest income | 557,000 | 1,126,000 | 1,694,000 | 2,289,000 |
| Noninterest income | 8,000 | 19,000 | 28,000 | 36,000 |
| Noninterest expense | 438,000 | 904,000 | 1,342,000 | 1,791,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 241,000 | 380,000 | 534,000 |
| Income tax | 34,000 | 38,000 | 77,000 | 129,000 |
| Net income | 93,000 | 203,000 | 303,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,479,000 | 19,589,000 | 19,689,000 | 19,791,000 |
| Total capital | 20,638,000 | 20,754,000 | 20,905,000 | 20,942,000 |
| Risk-weighted assets | 39,363,000 | 40,018,000 | 41,466,000 | 41,050,000 |