Call reports 2011
NORTHAMPTON CO-OPERATIVE BANK — 2011
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 156,093,000 | 151,855,000 | 155,633,000 | 155,134,000 |
| Total loans | 79,410,000 | 78,695,000 | 79,382,000 | 78,776,000 |
| Allowance for loan losses | 520,000 | 520,000 | 520,000 | 480,000 |
| Securities available for sale | 42,097,000 | 41,294,000 | 40,706,000 | 39,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,400,000 | 123,871,000 | 127,531,000 | 126,667,000 |
| Interest-bearing deposits | 116,950,000 | 113,456,000 | 115,765,000 | 114,488,000 |
| Noninterest-bearing deposits | 10,450,000 | 10,415,000 | 11,766,000 | 12,179,000 |
| Equity capital | 21,451,000 | 21,851,000 | 21,916,000 | 22,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,254,000 | 2,488,000 | 3,696,000 | 4,911,000 |
| Interest expense | 220,000 | 425,000 | 618,000 | 790,000 |
| Net interest income | 1,034,000 | 2,063,000 | 3,078,000 | 4,121,000 |
| Noninterest income | 173,000 | 346,000 | 538,000 | 831,000 |
| Noninterest expense | 965,000 | 1,903,000 | 2,881,000 | 3,854,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 242,000 | 506,000 | 735,000 | 1,098,000 |
| Income tax | 65,000 | 138,000 | 199,000 | 320,000 |
| Net income | 177,000 | 368,000 | 536,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,428,000 | 20,779,000 | 20,858,000 | 21,184,000 |
| Total capital | 20,948,000 | 21,299,000 | 21,378,000 | 21,664,000 |
| Risk-weighted assets | 78,676,000 | 78,124,000 | 78,112,000 | 77,503,000 |