Call reports 2008
BRAINTREE CO-OPERATIVE BANK — 2008
What BRAINTREE CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 189,029,000 | 196,834,000 | 193,352,000 | 195,231,000 |
| Total loans | 132,554,000 | 130,471,000 | 134,744,000 | 140,239,000 |
| Allowance for loan losses | 1,550,000 | 1,610,000 | 1,647,000 | 1,690,000 |
| Securities available for sale | 33,889,000 | 42,145,000 | 39,418,000 | 37,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,159,000 | 175,534,000 | 172,913,000 | 175,544,000 |
| Interest-bearing deposits | 155,354,000 | 161,994,000 | 159,223,000 | 161,878,000 |
| Noninterest-bearing deposits | 11,805,000 | 13,540,000 | 13,690,000 | 13,666,000 |
| Equity capital | 15,721,000 | 15,313,000 | 14,665,000 | 14,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,403,000 | 4,991,000 | 7,440,000 | 9,976,000 |
| Interest expense | 1,129,000 | 2,166,000 | 3,111,000 | 4,013,000 |
| Net interest income | 1,274,000 | 2,825,000 | 4,329,000 | 5,963,000 |
| Noninterest income | 290,000 | 578,000 | 841,000 | 1,078,000 |
| Noninterest expense | 1,627,000 | 3,214,000 | 4,812,000 | 6,569,000 |
| Provision for loan losses | 29,000 | 95,000 | 263,000 | 307,000 |
| Pretax income | -89,000 | 96,000 | 102,000 | 190,000 |
| Income tax | -36,000 | 40,000 | -21,000 | -50,000 |
| Net income | -53,000 | 56,000 | 123,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,864,000 | 15,928,000 | 15,583,000 | 14,973,000 |
| Total capital | 17,352,000 | 17,472,000 | 17,094,000 | 16,534,000 |
| Risk-weighted assets | 119,751,000 | 123,356,000 | 120,793,000 | 124,774,000 |