Call reports 2005
BRAINTREE CO-OPERATIVE BANK — 2005
What BRAINTREE CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 189,128,000 | 193,733,000 | 189,488,000 | 186,316,000 |
| Total loans | 119,164,000 | 124,625,000 | 125,533,000 | 126,775,000 |
| Allowance for loan losses | 1,040,000 | 1,050,000 | 1,030,000 | 1,100,000 |
| Securities available for sale | 45,084,000 | 43,147,000 | 42,550,000 | 41,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,864,000 | 178,022,000 | 174,487,000 | 171,059,000 |
| Interest-bearing deposits | 162,054,000 | 163,636,000 | 159,766,000 | 157,285,000 |
| Noninterest-bearing deposits | 11,810,000 | 14,386,000 | 14,721,000 | 13,774,000 |
| Equity capital | 14,122,000 | 14,549,000 | 14,769,000 | 15,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,046,000 | 4,262,000 | 6,471,000 | 8,744,000 |
| Interest expense | 647,000 | 1,356,000 | 2,113,000 | 2,894,000 |
| Net interest income | 1,399,000 | 2,906,000 | 4,358,000 | 5,850,000 |
| Noninterest income | 117,000 | 253,000 | 386,000 | 521,000 |
| Noninterest expense | 1,207,000 | 2,435,000 | 3,771,000 | 5,020,000 |
| Provision for loan losses | 9,000 | 26,000 | 117,000 | 182,000 |
| Pretax income | 282,000 | 680,000 | 1,040,000 | 1,596,000 |
| Income tax | 107,000 | 261,000 | 386,000 | 562,000 |
| Net income | 175,000 | 419,000 | 654,000 | 1,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,096,000 | 14,341,000 | 14,577,000 | 14,955,000 |
| Total capital | 15,136,000 | 15,391,000 | 15,607,000 | 16,055,000 |
| Risk-weighted assets | 106,557,000 | 110,221,000 | 109,466,000 | 111,108,000 |