Call reports 2002
NORTHAMPTON CO-OPERATIVE BANK — 2002
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 115,423,000 | 115,810,000 | 118,422,000 | 122,552,000 |
| Total loans | 67,635,000 | 67,392,000 | 68,021,000 | 68,840,000 |
| Allowance for loan losses | 798,000 | 800,000 | 800,000 | 796,000 |
| Securities available for sale | 11,977,000 | 8,565,000 | 8,466,000 | 12,049,000 |
| Securities held to maturity | 26,565,000 | 28,172,000 | 30,937,000 | 28,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,832,000 | 97,055,000 | 99,327,000 | 103,103,000 |
| Interest-bearing deposits | 94,066,000 | 92,985,000 | 95,954,000 | 99,400,000 |
| Noninterest-bearing deposits | 2,766,000 | 4,070,000 | 3,373,000 | 3,703,000 |
| Equity capital | 15,193,000 | 15,512,000 | 15,797,000 | 16,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,635,000 | 3,252,000 | 4,836,000 | 6,383,000 |
| Interest expense | 630,000 | 1,210,000 | 1,761,000 | 2,282,000 |
| Net interest income | 1,005,000 | 2,042,000 | 3,075,000 | 4,101,000 |
| Noninterest income | 90,000 | 151,000 | 226,000 | 359,000 |
| Noninterest expense | 648,000 | 1,294,000 | 1,982,000 | 2,690,000 |
| Provision for loan losses | 8,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 435,000 | 879,000 | 1,298,000 | 1,757,000 |
| Income tax | 155,000 | 314,000 | 460,000 | 621,000 |
| Net income | 280,000 | 565,000 | 838,000 | 1,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,155,000 | 15,430,000 | 15,696,000 | 15,987,000 |
| Total capital | 15,956,000 | 16,230,000 | 16,496,000 | 16,783,000 |
| Risk-weighted assets | 67,681,000 | 66,929,000 | 69,500,000 | 74,945,000 |