Call reports 2010
NORTHAMPTON CO-OPERATIVE BANK — 2010
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 151,067,000 | 154,152,000 | 153,398,000 | 155,379,000 |
| Total loans | 82,899,000 | 83,598,000 | 80,377,000 | 80,022,000 |
| Allowance for loan losses | 520,000 | 520,000 | 520,000 | 520,000 |
| Securities available for sale | 41,744,000 | 41,246,000 | 40,489,000 | 40,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,674,000 | 121,842,000 | 122,733,000 | 125,808,000 |
| Interest-bearing deposits | 110,624,000 | 112,896,000 | 113,650,000 | 115,580,000 |
| Noninterest-bearing deposits | 8,050,000 | 8,946,000 | 9,083,000 | 10,228,000 |
| Equity capital | 20,641,000 | 20,928,000 | 21,276,000 | 21,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,418,000 | 2,813,000 | 4,165,000 | 5,491,000 |
| Interest expense | 326,000 | 661,000 | 985,000 | 1,268,000 |
| Net interest income | 1,092,000 | 2,152,000 | 3,180,000 | 4,223,000 |
| Noninterest income | 164,000 | 316,000 | 626,000 | 909,000 |
| Noninterest expense | 965,000 | 2,130,000 | 3,127,000 | 4,117,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 291,000 | 338,000 | 679,000 | 1,015,000 |
| Income tax | 83,000 | 66,000 | 179,000 | 273,000 |
| Net income | 208,000 | 272,000 | 500,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,635,000 | 19,860,000 | 20,088,000 | 20,330,000 |
| Total capital | 21,155,000 | 20,380,000 | 20,608,000 | 20,850,000 |
| Risk-weighted assets | 79,983,000 | 80,210,000 | 78,808,000 | 79,183,000 |