Call reports 2001
NORTHAMPTON CO-OPERATIVE BANK — 2001
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 103,187,000 | 104,951,000 | 108,903,000 | 110,723,000 |
| Total loans | 67,217,000 | 66,797,000 | 69,246,000 | 68,608,000 |
| Allowance for loan losses | 767,000 | 775,000 | 783,000 | 790,000 |
| Securities available for sale | 17,231,000 | 15,941,000 | 13,551,000 | 9,540,000 |
| Securities held to maturity | 5,073,000 | 10,290,000 | 16,284,000 | 21,181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,720,000 | 86,896,000 | 90,915,000 | 92,417,000 |
| Interest-bearing deposits | 82,181,000 | 83,971,000 | 86,930,000 | 89,218,000 |
| Noninterest-bearing deposits | 2,539,000 | 2,925,000 | 3,985,000 | 3,199,000 |
| Equity capital | 14,093,000 | 14,304,000 | 14,664,000 | 14,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,809,000 | 3,593,000 | 5,363,000 | 7,090,000 |
| Interest expense | 814,000 | 1,616,000 | 2,384,000 | 3,081,000 |
| Net interest income | 995,000 | 1,977,000 | 2,979,000 | 4,009,000 |
| Noninterest income | 44,000 | 103,000 | 168,000 | 270,000 |
| Noninterest expense | 632,000 | 1,254,000 | 1,891,000 | 2,558,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 406,000 | 817,000 | 1,253,000 | 1,699,000 |
| Income tax | 148,000 | 299,000 | 459,000 | 618,000 |
| Net income | 258,000 | 518,000 | 794,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,038,000 | 14,300,000 | 14,569,000 | 14,875,000 |
| Total capital | 14,723,000 | 15,037,000 | 15,352,000 | 15,661,000 |
| Risk-weighted assets | 54,642,000 | 58,937,000 | 64,057,000 | 62,727,000 |