Call reports 2012
NORTHAMPTON CO-OPERATIVE BANK — 2012
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 159,017,000 | 162,317,000 | 159,380,000 | 160,924,000 |
| Total loans | 84,140,000 | 85,983,000 | 87,253,000 | 86,944,000 |
| Allowance for loan losses | 480,000 | 480,000 | 430,000 | 430,000 |
| Securities available for sale | 40,827,000 | 38,906,000 | 37,616,000 | 41,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,294,000 | 133,487,000 | 129,990,000 | 131,153,000 |
| Interest-bearing deposits | 117,375,000 | 118,919,000 | 116,377,000 | 117,396,000 |
| Noninterest-bearing deposits | 12,919,000 | 14,568,000 | 13,613,000 | 13,757,000 |
| Equity capital | 22,384,000 | 22,565,000 | 22,957,000 | 23,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,162,000 | 2,310,000 | 3,465,000 | 4,594,000 |
| Interest expense | 164,000 | 315,000 | 463,000 | 611,000 |
| Net interest income | 998,000 | 1,995,000 | 3,002,000 | 3,983,000 |
| Noninterest income | 245,000 | 431,000 | 940,000 | 1,341,000 |
| Noninterest expense | 974,000 | 1,972,000 | 2,975,000 | 4,002,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 660,000 | 1,175,000 | 1,530,000 |
| Income tax | 84,000 | 135,000 | 315,000 | 432,000 |
| Net income | 185,000 | 525,000 | 860,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,374,000 | 21,716,000 | 22,051,000 | 22,288,000 |
| Total capital | 21,854,000 | 22,196,000 | 22,481,000 | 22,718,000 |
| Risk-weighted assets | 82,143,000 | 83,453,000 | 83,458,000 | 83,437,000 |