Call reports 2004
NORTHAMPTON CO-OPERATIVE BANK — 2004
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 137,951,000 | 148,382,000 | 150,059,000 | 147,055,000 |
| Total loans | 66,095,000 | 66,221,000 | 67,951,000 | 69,677,000 |
| Allowance for loan losses | 796,000 | 796,000 | 796,000 | 795,000 |
| Securities available for sale | 10,335,000 | 9,115,000 | 7,927,000 | 7,379,000 |
| Securities held to maturity | 44,048,000 | 53,239,000 | 56,629,000 | 55,313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,649,000 | 122,293,000 | 123,806,000 | 120,661,000 |
| Interest-bearing deposits | 108,117,000 | 116,687,000 | 117,810,000 | 115,275,000 |
| Noninterest-bearing deposits | 3,532,000 | 5,606,000 | 5,996,000 | 5,386,000 |
| Equity capital | 17,588,000 | 17,790,000 | 18,125,000 | 18,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,912,000 | 4,452,000 | 6,030,000 |
| Interest expense | 404,000 | 861,000 | 1,338,000 | 1,834,000 |
| Net interest income | 1,049,000 | 2,051,000 | 3,114,000 | 4,196,000 |
| Noninterest income | 129,000 | 289,000 | 414,000 | 534,000 |
| Noninterest expense | 805,000 | 1,637,000 | 2,399,000 | 3,225,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 426,000 | 795,000 | 1,221,000 | 1,638,000 |
| Income tax | 120,000 | 208,000 | 315,000 | 436,000 |
| Net income | 306,000 | 587,000 | 906,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,409,000 | 17,690,000 | 18,009,000 | 18,305,000 |
| Total capital | 18,277,000 | 18,522,000 | 18,842,000 | 19,138,000 |
| Risk-weighted assets | 79,820,000 | 79,331,000 | 79,273,000 | 77,370,000 |