Call reports 2008
NORTHAMPTON CO-OPERATIVE BANK — 2008
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 152,798,000 | 156,049,000 | 148,846,000 | 153,533,000 |
| Total loans | 96,391,000 | 97,092,000 | 98,954,000 | 98,975,000 |
| Allowance for loan losses | 475,000 | 475,000 | 482,000 | 511,000 |
| Securities available for sale | 31,099,000 | 35,293,000 | 31,296,000 | 30,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,286,000 | 122,632,000 | 119,406,000 | 122,946,000 |
| Interest-bearing deposits | 112,110,000 | 114,686,000 | 110,444,000 | 114,691,000 |
| Noninterest-bearing deposits | 7,176,000 | 7,946,000 | 8,962,000 | 8,255,000 |
| Equity capital | 21,632,000 | 21,625,000 | 17,731,000 | 18,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,961,000 | 3,915,000 | 5,799,000 | 7,544,000 |
| Interest expense | 861,000 | 1,653,000 | 2,396,000 | 3,128,000 |
| Net interest income | 1,100,000 | 2,262,000 | 3,403,000 | 4,416,000 |
| Noninterest income | 141,000 | 311,000 | 461,000 | 591,000 |
| Noninterest expense | 924,000 | 1,858,000 | 2,733,000 | 3,608,000 |
| Provision for loan losses | 10,000 | 16,000 | 24,000 | 53,000 |
| Pretax income | 315,000 | 595,000 | -2,666,000 | -2,860,000 |
| Income tax | 72,000 | 126,000 | 231,000 | -962,000 |
| Net income | 243,000 | 469,000 | -2,897,000 | -1,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,839,000 | 21,940,000 | 18,695,000 | 19,694,000 |
| Total capital | 22,314,000 | 22,415,000 | 19,178,000 | 20,205,000 |
| Risk-weighted assets | 87,568,000 | 89,129,000 | 84,751,000 | 82,588,000 |