Call reports 2005
NORTHAMPTON CO-OPERATIVE BANK — 2005
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 146,225,000 | 148,117,000 | 149,157,000 | 149,420,000 |
| Total loans | 71,371,000 | 71,362,000 | 69,324,000 | 71,165,000 |
| Allowance for loan losses | 795,000 | 807,000 | 808,000 | 807,000 |
| Securities available for sale | 3,602,000 | 3,606,000 | 3,566,000 | 3,192,000 |
| Securities held to maturity | 55,413,000 | 51,382,000 | 53,372,000 | 50,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,671,000 | 120,257,000 | 122,228,000 | 122,433,000 |
| Interest-bearing deposits | 111,258,000 | 112,633,000 | 115,406,000 | 115,966,000 |
| Noninterest-bearing deposits | 6,413,000 | 7,624,000 | 6,822,000 | 6,467,000 |
| Equity capital | 18,688,000 | 18,954,000 | 19,172,000 | 19,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,579,000 | 3,197,000 | 4,825,000 | 6,505,000 |
| Interest expense | 490,000 | 1,017,000 | 1,557,000 | 2,151,000 |
| Net interest income | 1,089,000 | 2,180,000 | 3,268,000 | 4,354,000 |
| Noninterest income | 122,000 | 667,000 | 819,000 | 959,000 |
| Noninterest expense | 776,000 | 1,995,000 | 2,851,000 | 3,707,000 |
| Provision for loan losses | 1,000 | 13,000 | 14,000 | 14,000 |
| Pretax income | 527,000 | 932,000 | 1,315,000 | 1,697,000 |
| Income tax | 164,000 | 310,000 | 454,000 | 559,000 |
| Net income | 363,000 | 622,000 | 861,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,640,000 | 18,901,000 | 19,125,000 | 19,395,000 |
| Total capital | 19,435,000 | 19,708,000 | 19,933,000 | 20,202,000 |
| Risk-weighted assets | 75,548,000 | 75,850,000 | 75,653,000 | 75,697,000 |