Call reports 2007
NORTHAMPTON CO-OPERATIVE BANK — 2007
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 146,708,000 | 151,105,000 | 150,360,000 | 150,052,000 |
| Total loans | 88,438,000 | 94,172,000 | 97,948,000 | 97,914,000 |
| Allowance for loan losses | 809,000 | 476,000 | 476,000 | 482,000 |
| Securities available for sale | 38,302,000 | 36,650,000 | 33,470,000 | 33,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,999,000 | 120,302,000 | 117,135,000 | 115,568,000 |
| Interest-bearing deposits | 107,027,000 | 112,153,000 | 109,298,000 | 107,702,000 |
| Noninterest-bearing deposits | 8,972,000 | 8,149,000 | 7,837,000 | 7,866,000 |
| Equity capital | 20,606,000 | 20,832,000 | 21,237,000 | 21,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,842,000 | 3,739,000 | 5,682,000 | 7,676,000 |
| Interest expense | 809,000 | 1,684,000 | 2,596,000 | 3,496,000 |
| Net interest income | 1,033,000 | 2,055,000 | 3,086,000 | 4,180,000 |
| Noninterest income | 241,000 | 387,000 | 559,000 | 701,000 |
| Noninterest expense | 864,000 | 1,886,000 | 2,783,000 | 3,688,000 |
| Provision for loan losses | 3,000 | -330,000 | -330,000 | -324,000 |
| Pretax income | 407,000 | 886,000 | 1,207,000 | 1,556,000 |
| Income tax | 56,000 | 197,000 | 280,000 | 369,000 |
| Net income | 351,000 | 689,000 | 927,000 | 1,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,789,000 | 21,127,000 | 21,355,000 | 21,601,000 |
| Total capital | 21,598,000 | 21,603,000 | 21,831,000 | 22,083,000 |
| Risk-weighted assets | 82,398,000 | 85,393,000 | 86,469,000 | 88,398,000 |