Call reports 2006
BRAINTREE CO-OPERATIVE BANK — 2006
What BRAINTREE CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 187,282,000 | 184,912,000 | 189,270,000 | 189,200,000 |
| Total loans | 129,424,000 | 132,816,000 | 133,965,000 | 134,905,000 |
| Allowance for loan losses | 1,130,000 | 1,270,000 | 1,295,000 | 1,310,000 |
| Securities available for sale | 38,285,000 | 34,314,000 | 32,820,000 | 27,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,723,000 | 169,412,000 | 173,394,000 | 173,099,000 |
| Interest-bearing deposits | 157,704,000 | 157,505,000 | 160,735,000 | 161,504,000 |
| Noninterest-bearing deposits | 14,019,000 | 11,907,000 | 12,659,000 | 11,595,000 |
| Equity capital | 15,283,000 | 15,266,000 | 15,527,000 | 15,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,189,000 | 4,413,000 | 6,686,000 | 9,052,000 |
| Interest expense | 811,000 | 1,737,000 | 2,825,000 | 3,989,000 |
| Net interest income | 1,378,000 | 2,676,000 | 3,861,000 | 5,063,000 |
| Noninterest income | 170,000 | 334,000 | 564,000 | 778,000 |
| Noninterest expense | 1,344,000 | 2,667,000 | 4,020,000 | 5,323,000 |
| Provision for loan losses | 26,000 | 46,000 | 70,000 | 100,000 |
| Pretax income | 200,000 | 319,000 | 372,000 | 1,013,000 |
| Income tax | 72,000 | 111,000 | 123,000 | 311,000 |
| Net income | 128,000 | 208,000 | 249,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,083,000 | 15,163,000 | 15,094,000 | 15,547,000 |
| Total capital | 16,463,000 | 16,875,000 | 16,389,000 | 16,857,000 |
| Risk-weighted assets | 111,253,000 | 120,786,000 | 116,119,000 | 115,720,000 |