Call reports 2025
NORTH CAMBRIDGE CO-OPERATIVE BANK — 2025
What NORTH CAMBRIDGE CO-OPERATIVE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 83,356,000 | 85,196,000 | 85,869,000 | 88,121,000 |
| Total loans | 48,816,000 | 47,668,000 | 47,130,000 | 47,005,000 |
| Allowance for loan losses | 493,000 | 513,000 | 488,000 | 458,000 |
| Securities available for sale | 8,427,000 | 8,476,000 | 11,864,000 | 11,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,930,000 | 59,078,000 | 59,054,000 | 61,346,000 |
| Interest-bearing deposits | 53,730,000 | 53,277,000 | 52,919,000 | 55,245,000 |
| Noninterest-bearing deposits | 4,200,000 | 5,801,000 | 6,135,000 | 6,101,000 |
| Equity capital | 24,213,000 | 24,734,000 | 25,137,000 | 25,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,605,000 | 2,425,000 | 3,253,000 |
| Interest expense | 204,000 | 411,000 | 623,000 | 844,000 |
| Net interest income | 592,000 | 1,194,000 | 1,802,000 | 2,409,000 |
| Noninterest income | 6,000 | 13,000 | 18,000 | 23,000 |
| Noninterest expense | 534,000 | 1,154,000 | 1,898,000 | 2,520,000 |
| Provision for loan losses | -54,000 | -34,000 | -59,000 | -89,000 |
| Pretax income | 230,000 | 575,000 | 769,000 | 815,000 |
| Income tax | 50,000 | 150,000 | 200,000 | 203,000 |
| Net income | 180,000 | 425,000 | 569,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,245,000 | 23,489,000 | 23,635,000 | 23,677,000 |
| Total capital | 23,712,000 | 23,957,000 | 24,098,000 | 24,140,000 |
| Risk-weighted assets | 37,354,000 | 37,399,000 | 37,071,000 | 37,105,000 |