Call reports 2003
NORTHAMPTON CO-OPERATIVE BANK — 2003
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 127,266,000 | 130,693,000 | 132,121,000 | 136,322,000 |
| Total loans | 71,974,000 | 71,845,000 | 68,767,000 | 66,128,000 |
| Allowance for loan losses | 796,000 | 796,000 | 796,000 | 796,000 |
| Securities available for sale | 11,747,000 | 16,666,000 | 9,441,000 | 9,526,000 |
| Securities held to maturity | 25,649,000 | 24,272,000 | 34,013,000 | 43,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,514,000 | 110,557,000 | 111,704,000 | 115,525,000 |
| Interest-bearing deposits | 103,480,000 | 106,867,000 | 108,359,000 | 111,161,000 |
| Noninterest-bearing deposits | 4,034,000 | 3,690,000 | 3,345,000 | 4,364,000 |
| Equity capital | 16,365,000 | 16,749,000 | 16,966,000 | 17,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 2,985,000 | 4,397,000 | 5,814,000 |
| Interest expense | 492,000 | 978,000 | 1,420,000 | 1,824,000 |
| Net interest income | 1,026,000 | 2,007,000 | 2,977,000 | 3,990,000 |
| Noninterest income | 91,000 | 232,000 | 390,000 | 551,000 |
| Noninterest expense | 696,000 | 1,386,000 | 2,138,000 | 2,968,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 418,000 | 864,000 | 1,252,000 | 1,596,000 |
| Income tax | 145,000 | 303,000 | 421,000 | 504,000 |
| Net income | 273,000 | 561,000 | 831,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,279,000 | 16,572,000 | 16,842,000 | 17,103,000 |
| Total capital | 17,075,000 | 17,420,000 | 17,667,000 | 17,986,000 |
| Risk-weighted assets | 77,631,000 | 81,792,000 | 78,473,000 | 79,248,000 |