Call reports 2013
NORTHAMPTON CO-OPERATIVE BANK — 2013
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 164,707,000 | 161,988,000 | 163,935,000 | 164,136,000 |
| Total loans | 86,465,000 | 87,789,000 | 85,229,000 | 86,995,000 |
| Allowance for loan losses | 480,000 | 480,000 | 480,000 | 480,000 |
| Securities available for sale | 40,828,000 | 44,624,000 | 46,315,000 | 48,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,882,000 | 132,487,000 | 134,502,000 | 134,548,000 |
| Interest-bearing deposits | 120,115,000 | 116,602,000 | 119,196,000 | 118,839,000 |
| Noninterest-bearing deposits | 14,767,000 | 15,885,000 | 15,306,000 | 15,709,000 |
| Equity capital | 23,295,000 | 23,091,000 | 22,968,000 | 23,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,087,000 | 2,130,000 | 3,172,000 | 4,193,000 |
| Interest expense | 141,000 | 269,000 | 385,000 | 497,000 |
| Net interest income | 946,000 | 1,861,000 | 2,787,000 | 3,696,000 |
| Noninterest income | 204,000 | 420,000 | 609,000 | 798,000 |
| Noninterest expense | 950,000 | 1,943,000 | 2,887,000 | 3,834,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 555,000 | 726,000 | 877,000 |
| Income tax | 56,000 | 88,000 | 133,000 | 170,000 |
| Net income | 144,000 | 467,000 | 593,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,417,000 | 23,235,000 | 23,362,000 | 23,475,000 |
| Total capital | 22,897,000 | 23,715,000 | 23,842,000 | 23,955,000 |
| Risk-weighted assets | 83,055,000 | 82,770,000 | 82,558,000 | 84,784,000 |