Call reports 2009
NORTHAMPTON CO-OPERATIVE BANK — 2009
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 156,434,000 | 157,967,000 | 153,713,000 | 152,856,000 |
| Total loans | 93,573,000 | 86,102,000 | 84,508,000 | 85,379,000 |
| Allowance for loan losses | 541,000 | 551,000 | 551,000 | 550,000 |
| Securities available for sale | 30,868,000 | 34,442,000 | 37,761,000 | 42,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,332,000 | 126,368,000 | 122,125,000 | 120,906,000 |
| Interest-bearing deposits | 117,485,000 | 116,743,000 | 113,578,000 | 112,884,000 |
| Noninterest-bearing deposits | 7,847,000 | 9,625,000 | 8,547,000 | 8,022,000 |
| Equity capital | 19,504,000 | 19,935,000 | 19,986,000 | 20,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,281,000 | 4,745,000 | 6,188,000 |
| Interest expense | 661,000 | 1,195,000 | 1,645,000 | 2,017,000 |
| Net interest income | 1,032,000 | 2,086,000 | 3,100,000 | 4,171,000 |
| Noninterest income | 200,000 | 448,000 | 600,000 | 742,000 |
| Noninterest expense | 892,000 | 1,938,000 | 2,784,000 | 3,671,000 |
| Provision for loan losses | 30,000 | 39,000 | 39,000 | 39,000 |
| Pretax income | 313,000 | 558,000 | 499,000 | 825,000 |
| Income tax | 70,000 | -93,000 | 26,000 | 124,000 |
| Net income | 243,000 | 651,000 | 473,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,932,000 | 20,377,000 | 19,279,000 | 20,427,000 |
| Total capital | 20,473,000 | 20,942,000 | 19,830,000 | 20,977,000 |
| Risk-weighted assets | 81,192,000 | 79,592,000 | 77,703,000 | 80,633,000 |