Call reports 2006
NORTHAMPTON CO-OPERATIVE BANK — 2006
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 150,106,000 | 151,994,000 | 150,313,000 | 143,894,000 |
| Total loans | 71,813,000 | 76,689,000 | 82,729,000 | 85,082,000 |
| Allowance for loan losses | 807,000 | 807,000 | 808,000 | 807,000 |
| Securities available for sale | 4,703,000 | 7,536,000 | 43,946,000 | 40,437,000 |
| Securities held to maturity | 45,343,000 | 42,483,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,130,000 | 120,211,000 | 120,789,000 | 117,317,000 |
| Interest-bearing deposits | 115,472,000 | 111,850,000 | 110,967,000 | 109,782,000 |
| Noninterest-bearing deposits | 7,658,000 | 8,361,000 | 9,822,000 | 7,535,000 |
| Equity capital | 19,669,000 | 19,887,000 | 19,820,000 | 20,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,471,000 | 5,318,000 | 7,185,000 |
| Interest expense | 617,000 | 1,280,000 | 2,072,000 | 2,878,000 |
| Net interest income | 1,095,000 | 2,191,000 | 3,246,000 | 4,307,000 |
| Noninterest income | 144,000 | 300,000 | 443,000 | 583,000 |
| Noninterest expense | 889,000 | 1,808,000 | 2,660,000 | 3,584,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 1,000 |
| Pretax income | 349,000 | 682,000 | 1,005,000 | 1,303,000 |
| Income tax | 82,000 | 144,000 | 218,000 | 309,000 |
| Net income | 267,000 | 538,000 | 787,000 | 994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,674,000 | 19,951,000 | 20,230,000 | 20,438,000 |
| Total capital | 20,481,000 | 20,758,000 | 21,038,000 | 21,245,000 |
| Risk-weighted assets | 76,245,000 | 78,993,000 | 81,071,000 | 81,083,000 |