Call reports 2022
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2022
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 90,034,000 | 89,995,000 | 88,313,000 | 88,912,000 |
| Total loans | 53,841,000 | 52,475,000 | 52,039,000 | 52,433,000 |
| Allowance for loan losses | 582,000 | 582,000 | 582,000 | 582,000 |
| Securities available for sale | 9,259,000 | 9,166,000 | 15,964,000 | 16,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,402,000 | 67,968,000 | 66,404,000 | 66,372,000 |
| Interest-bearing deposits | 66,080,000 | 65,612,000 | 64,056,000 | 63,100,000 |
| Noninterest-bearing deposits | 1,322,000 | 2,356,000 | 2,348,000 | 3,272,000 |
| Equity capital | 22,041,000 | 21,493,000 | 21,336,000 | 21,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 560,000 | 1,126,000 | 1,789,000 | 2,523,000 |
| Interest expense | 50,000 | 97,000 | 139,000 | 191,000 |
| Net interest income | 510,000 | 1,029,000 | 1,650,000 | 2,332,000 |
| Noninterest income | 6,000 | 12,000 | 19,000 | 26,000 |
| Noninterest expense | 481,000 | 971,000 | 1,477,000 | 2,017,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -99,000 | -368,000 | -356,000 | 57,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 17,000 |
| Net income | -101,000 | -370,000 | -358,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,711,000 | 21,442,000 | 21,454,000 | 21,853,000 |
| Total capital | 22,211,000 | 21,921,000 | 21,928,000 | 22,331,000 |
| Risk-weighted assets | 39,956,000 | 38,272,000 | 37,812,000 | 38,143,000 |