Call reports 2021
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2021
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 88,750,000 | 88,659,000 | 89,617,000 | 90,828,000 |
| Total loans | 53,960,000 | 54,517,000 | 54,456,000 | 54,254,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 5,103,000 | 5,075,000 | 5,496,000 | 3,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,934,000 | 65,842,000 | 66,669,000 | 67,757,000 |
| Interest-bearing deposits | 63,981,000 | 64,134,000 | 65,147,000 | 66,345,000 |
| Noninterest-bearing deposits | 1,953,000 | 1,708,000 | 1,522,000 | 1,412,000 |
| Equity capital | 22,257,000 | 22,256,000 | 22,314,000 | 22,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,241,000 | 1,835,000 | 2,408,000 |
| Interest expense | 83,000 | 155,000 | 215,000 | 271,000 |
| Net interest income | 539,000 | 1,086,000 | 1,620,000 | 2,137,000 |
| Noninterest income | 6,000 | 12,000 | 18,000 | 24,000 |
| Noninterest expense | 517,000 | 1,086,000 | 1,595,000 | 2,120,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 284,000 | 370,000 | 464,000 |
| Income tax | 185,000 | 199,000 | 221,000 | 240,000 |
| Net income | 87,000 | 85,000 | 149,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,675,000 | 21,673,000 | 21,737,000 | 21,812,000 |
| Total capital | 22,125,000 | 22,133,000 | 22,202,000 | 22,308,000 |
| Risk-weighted assets | 35,877,000 | 36,705,000 | 37,127,000 | 39,645,000 |