Call reports 2003
HOLBROOK CO-OPERATIVE BANK — 2003
What HOLBROOK CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 72,531,000 | 73,326,000 | 73,013,000 | 71,103,000 |
| Total loans | 32,514,000 | 29,461,000 | 30,466,000 | 30,920,000 |
| Allowance for loan losses | 482,000 | 388,000 | 382,000 | 397,000 |
| Securities available for sale | 17,761,000 | 14,786,000 | 15,115,000 | 15,437,000 |
| Securities held to maturity | 4,052,000 | 7,792,000 | 12,765,000 | 13,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,040,000 | 66,781,000 | 66,466,000 | 64,517,000 |
| Interest-bearing deposits | 64,287,000 | 64,988,000 | 64,959,000 | 62,874,000 |
| Noninterest-bearing deposits | 1,753,000 | 1,793,000 | 1,507,000 | 1,643,000 |
| Equity capital | 6,376,000 | 6,473,000 | 6,488,000 | 6,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 725,000 | 1,399,000 | 2,045,000 | 2,698,000 |
| Interest expense | 287,000 | 564,000 | 785,000 | 986,000 |
| Net interest income | 438,000 | 835,000 | 1,260,000 | 1,712,000 |
| Noninterest income | 39,000 | 80,000 | 117,000 | 170,000 |
| Noninterest expense | 449,000 | 888,000 | 1,330,000 | 1,796,000 |
| Provision for loan losses | 0 | -121,000 | -127,000 | -127,000 |
| Pretax income | 29,000 | 175,000 | 201,000 | 240,000 |
| Income tax | 8,000 | 38,000 | 45,000 | 56,000 |
| Net income | 21,000 | 137,000 | 156,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,336,000 | 6,452,000 | 6,472,000 | 6,500,000 |
| Total capital | 6,818,000 | 6,840,000 | 6,854,000 | 6,897,000 |
| Risk-weighted assets | 40,525,000 | 40,537,000 | 42,438,000 | 42,656,000 |