Call reports 2014
NORTHAMPTON CO-OPERATIVE BANK — 2014
What NORTHAMPTON CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 164,864,000 | 165,600,000 | 171,796,000 | 166,711,000 |
| Total loans | 87,074,000 | 89,113,000 | 94,396,000 | 94,189,000 |
| Allowance for loan losses | 480,000 | 480,000 | 480,000 | 480,000 |
| Securities available for sale | 53,559,000 | 55,212,000 | 52,868,000 | 50,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,936,000 | 135,497,000 | 133,496,000 | 130,348,000 |
| Interest-bearing deposits | 118,700,000 | 117,640,000 | 115,826,000 | 111,339,000 |
| Noninterest-bearing deposits | 16,236,000 | 17,857,000 | 17,670,000 | 19,009,000 |
| Equity capital | 23,360,000 | 23,516,000 | 23,652,000 | 23,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,109,000 | 3,224,000 | 4,361,000 |
| Interest expense | 105,000 | 202,000 | 299,000 | 398,000 |
| Net interest income | 934,000 | 1,907,000 | 2,925,000 | 3,963,000 |
| Noninterest income | 155,000 | 321,000 | 486,000 | 656,000 |
| Noninterest expense | 940,000 | 1,973,000 | 2,917,000 | 4,898,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 149,000 | 255,000 | 494,000 | -279,000 |
| Income tax | 40,000 | 64,000 | 133,000 | -118,000 |
| Net income | 109,000 | 191,000 | 361,000 | -161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,599,000 | 23,490,000 | 23,729,000 | 23,138,000 |
| Total capital | 24,079,000 | 23,970,000 | 24,209,000 | 23,618,000 |
| Risk-weighted assets | 86,004,000 | 86,022,000 | 88,193,000 | 87,127,000 |