Call reports 2019
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2019
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 90,057,000 | 90,052,000 | 91,564,000 | 93,344,000 |
| Total loans | 53,992,000 | 55,562,000 | 56,485,000 | 56,808,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 17,944,000 | 18,100,000 | 16,250,000 | 14,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,779,000 | 68,524,000 | 69,776,000 | 71,335,000 |
| Interest-bearing deposits | 65,947,000 | 67,094,000 | 65,852,000 | 66,768,000 |
| Noninterest-bearing deposits | 2,832,000 | 1,430,000 | 3,924,000 | 4,567,000 |
| Equity capital | 21,025,000 | 21,250,000 | 21,464,000 | 21,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,544,000 | 2,336,000 | 3,169,000 |
| Interest expense | 151,000 | 314,000 | 489,000 | 665,000 |
| Net interest income | 609,000 | 1,230,000 | 1,847,000 | 2,504,000 |
| Noninterest income | 8,000 | 18,000 | 28,000 | 35,000 |
| Noninterest expense | 471,000 | 957,000 | 1,445,000 | 1,957,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 146,000 | 291,000 | 430,000 | 582,000 |
| Income tax | 40,000 | 75,000 | 108,000 | 159,000 |
| Net income | 106,000 | 216,000 | 322,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,897,000 | 20,007,000 | 20,113,000 | 20,214,000 |
| Total capital | 21,121,000 | 21,278,000 | 21,465,000 | 21,637,000 |
| Risk-weighted assets | 41,815,000 | 41,930,000 | 43,306,000 | 43,072,000 |