Call reports 2004
HOLBROOK CO-OPERATIVE BANK — 2004
What HOLBROOK CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 73,535,000 | 75,008,000 | 79,166,000 | 85,061,000 |
| Total loans | 34,576,000 | 43,208,000 | 53,331,000 | 65,250,000 |
| Allowance for loan losses | 397,000 | 417,000 | 473,000 | 595,000 |
| Securities available for sale | 22,660,000 | 20,207,000 | 15,669,000 | 11,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,131,000 | 68,829,000 | 72,774,000 | 78,091,000 |
| Interest-bearing deposits | 63,898,000 | 64,504,000 | 67,971,000 | 71,908,000 |
| Noninterest-bearing deposits | 2,233,000 | 4,325,000 | 4,803,000 | 6,183,000 |
| Equity capital | 6,240,000 | 6,028,000 | 6,192,000 | 6,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 647,000 | 1,356,000 | 2,210,000 | 3,245,000 |
| Interest expense | 188,000 | 369,000 | 562,000 | 780,000 |
| Net interest income | 459,000 | 987,000 | 1,648,000 | 2,465,000 |
| Noninterest income | 38,000 | 77,000 | 124,000 | 183,000 |
| Noninterest expense | 806,000 | 1,392,000 | 2,015,000 | 2,643,000 |
| Provision for loan losses | 0 | 20,000 | 60,000 | 182,000 |
| Pretax income | -367,000 | -406,000 | -394,000 | -269,000 |
| Income tax | -122,000 | -137,000 | -141,000 | -100,000 |
| Net income | -245,000 | -269,000 | -253,000 | -169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,255,000 | 6,231,000 | 6,247,000 | 6,331,000 |
| Total capital | 6,652,000 | 6,648,000 | 6,720,000 | 6,926,000 |
| Risk-weighted assets | 36,611,000 | 41,520,000 | 47,368,000 | 57,774,000 |