Call reports 2004
BRAINTREE CO-OPERATIVE BANK — 2004
What BRAINTREE CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 180,488,000 | 183,096,000 | 180,930,000 | 183,253,000 |
| Total loans | 107,038,000 | 110,456,000 | 115,692,000 | 115,064,000 |
| Allowance for loan losses | 1,015,000 | 1,030,000 | 1,035,000 | 1,025,000 |
| Securities available for sale | 55,181,000 | 51,716,000 | 48,270,000 | 46,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,838,000 | 168,633,000 | 165,993,000 | 168,047,000 |
| Interest-bearing deposits | 152,431,000 | 154,931,000 | 153,692,000 | 155,647,000 |
| Noninterest-bearing deposits | 13,407,000 | 13,702,000 | 12,301,000 | 12,400,000 |
| Equity capital | 13,427,000 | 13,224,000 | 13,597,000 | 14,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,942,000 | 3,901,000 | 5,811,000 | 7,890,000 |
| Interest expense | 623,000 | 1,201,000 | 1,784,000 | 2,383,000 |
| Net interest income | 1,319,000 | 2,700,000 | 4,027,000 | 5,507,000 |
| Noninterest income | 163,000 | 336,000 | 501,000 | 652,000 |
| Noninterest expense | 1,186,000 | 2,445,000 | 3,696,000 | 4,968,000 |
| Provision for loan losses | 14,000 | 26,000 | 37,000 | 45,000 |
| Pretax income | 603,000 | 927,000 | 1,165,000 | 1,536,000 |
| Income tax | 221,000 | 344,000 | 433,000 | 540,000 |
| Net income | 382,000 | 583,000 | 732,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,203,000 | 13,357,000 | 13,570,000 | 13,922,000 |
| Total capital | 14,218,000 | 14,387,000 | 14,605,000 | 14,947,000 |
| Risk-weighted assets | 101,877,000 | 98,979,000 | 104,017,000 | 102,158,000 |