Call reports 2007
BRAINTREE CO-OPERATIVE BANK — 2007
What BRAINTREE CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 185,017,000 | 186,300,000 | 185,465,000 | 182,702,000 |
| Total loans | 131,297,000 | 132,447,000 | 135,873,000 | 135,993,000 |
| Allowance for loan losses | 1,440,000 | 1,470,000 | 1,470,000 | 1,580,000 |
| Securities available for sale | 28,380,000 | 28,262,000 | 30,055,000 | 31,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,900,000 | 169,920,000 | 168,908,000 | 162,377,000 |
| Interest-bearing deposits | 157,137,000 | 157,751,000 | 156,224,000 | 151,326,000 |
| Noninterest-bearing deposits | 11,763,000 | 12,169,000 | 12,684,000 | 11,051,000 |
| Equity capital | 15,932,000 | 15,971,000 | 16,129,000 | 16,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,473,000 | 4,872,000 | 7,276,000 | 9,737,000 |
| Interest expense | 1,185,000 | 2,406,000 | 3,640,000 | 4,850,000 |
| Net interest income | 1,288,000 | 2,466,000 | 3,636,000 | 4,887,000 |
| Noninterest income | 226,000 | 468,000 | 720,000 | 1,098,000 |
| Noninterest expense | 1,460,000 | 2,887,000 | 4,336,000 | 5,844,000 |
| Provision for loan losses | 22,000 | 51,000 | 74,000 | 288,000 |
| Pretax income | 100,000 | 394,000 | 344,000 | 690,000 |
| Income tax | 33,000 | 144,000 | 135,000 | 152,000 |
| Net income | 67,000 | 250,000 | 209,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,294,000 | 15,797,000 | 15,183,000 | 16,084,000 |
| Total capital | 16,695,000 | 17,219,000 | 16,633,000 | 17,567,000 |
| Risk-weighted assets | 113,307,000 | 114,694,000 | 116,948,000 | 123,380,000 |