Call reports 2005
HOLBROOK CO-OPERATIVE BANK — 2005
What HOLBROOK CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,646,000 | 86,828,000 | 88,618,000 | 94,533,000 |
| Total loans | 67,431,000 | 71,144,000 | 72,367,000 | 77,539,000 |
| Allowance for loan losses | 670,000 | 775,000 | 850,000 | 925,000 |
| Securities available for sale | 11,031,000 | 11,009,000 | 10,330,000 | 10,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,042,000 | 79,896,000 | 79,546,000 | 87,225,000 |
| Interest-bearing deposits | 73,666,000 | 73,150,000 | 72,859,000 | 79,163,000 |
| Noninterest-bearing deposits | 5,376,000 | 6,746,000 | 6,687,000 | 8,062,000 |
| Equity capital | 6,353,000 | 6,561,000 | 6,701,000 | 6,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,304,000 | 3,570,000 | 4,904,000 |
| Interest expense | 248,000 | 533,000 | 859,000 | 1,254,000 |
| Net interest income | 861,000 | 1,771,000 | 2,711,000 | 3,650,000 |
| Noninterest income | 66,000 | 155,000 | 235,000 | 308,000 |
| Noninterest expense | 604,000 | 1,229,000 | 1,885,000 | 2,524,000 |
| Provision for loan losses | 75,000 | 180,000 | 255,000 | 330,000 |
| Pretax income | 235,000 | 504,000 | 793,000 | 1,091,000 |
| Income tax | 85,000 | 187,000 | 298,000 | 412,000 |
| Net income | 150,000 | 317,000 | 495,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,481,000 | 6,648,000 | 6,826,000 | 7,010,000 |
| Total capital | 7,151,000 | 7,423,000 | 7,649,000 | 7,895,000 |
| Risk-weighted assets | 60,540,000 | 64,212,000 | 65,848,000 | 70,803,000 |