Call reports 2003
BRAINTREE CO-OPERATIVE BANK — 2003
What BRAINTREE CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 180,074,000 | 180,193,000 | 180,098,000 | 178,265,000 |
| Total loans | 113,246,000 | 106,800,000 | 102,296,000 | 105,701,000 |
| Allowance for loan losses | 1,060,000 | 1,060,000 | 1,070,000 | 1,000,000 |
| Securities available for sale | 22,196,000 | 31,257,000 | 43,632,000 | 56,735,000 |
| Securities held to maturity | 13,607,000 | 13,133,000 | 12,646,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,463,000 | 167,399,000 | 166,921,000 | 164,294,000 |
| Interest-bearing deposits | 155,139,000 | 155,566,000 | 154,859,000 | 151,967,000 |
| Noninterest-bearing deposits | 12,324,000 | 11,833,000 | 12,062,000 | 12,327,000 |
| Equity capital | 11,051,000 | 11,767,000 | 12,062,000 | 12,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,386,000 | 4,561,000 | 6,573,000 | 8,565,000 |
| Interest expense | 801,000 | 1,584,000 | 2,321,000 | 3,013,000 |
| Net interest income | 1,585,000 | 2,977,000 | 4,252,000 | 5,552,000 |
| Noninterest income | 138,000 | 260,000 | 395,000 | 541,000 |
| Noninterest expense | 1,002,000 | 2,118,000 | 3,235,000 | 4,386,000 |
| Provision for loan losses | -250,000 | -236,000 | -246,000 | -308,000 |
| Pretax income | 869,000 | 1,199,000 | 1,478,000 | 1,852,000 |
| Income tax | 381,000 | 426,000 | 535,000 | 666,000 |
| Net income | 488,000 | 773,000 | 943,000 | 1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,074,000 | 11,822,000 | 12,082,000 | 12,626,000 |
| Total capital | 12,134,000 | 12,882,000 | 13,152,000 | 13,626,000 |
| Risk-weighted assets | 99,693,000 | 101,674,000 | 102,364,000 | 96,787,000 |