Call reports 2020
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2020
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 91,370,000 | 91,505,000 | 89,614,000 | 89,168,000 |
| Total loans | 56,516,000 | 54,359,000 | 53,857,000 | 52,151,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 12,778,000 | 8,201,000 | 7,163,000 | 5,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,601,000 | 69,668,000 | 67,811,000 | 66,878,000 |
| Interest-bearing deposits | 66,847,000 | 66,054,000 | 64,652,000 | 64,960,000 |
| Noninterest-bearing deposits | 2,754,000 | 3,614,000 | 3,159,000 | 1,918,000 |
| Equity capital | 21,391,000 | 21,476,000 | 21,471,000 | 22,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,699,000 | 2,375,000 | 3,017,000 |
| Interest expense | 178,000 | 339,000 | 463,000 | 566,000 |
| Net interest income | 773,000 | 1,360,000 | 1,912,000 | 2,451,000 |
| Noninterest income | 9,000 | 19,000 | 25,000 | 32,000 |
| Noninterest expense | 608,000 | 1,111,000 | 1,604,000 | 2,083,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | -46,000 | 0 | 368,000 |
| Income tax | 42,000 | -22,000 | -11,000 | 5,000 |
| Net income | 132,000 | -24,000 | 11,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,347,000 | 21,201,000 | 21,235,000 | 21,588,000 |
| Total capital | 21,443,000 | — | — | 22,033,000 |
| Risk-weighted assets | 41,476,000 | — | — | 35,469,000 |