Call reports 2007
HOLBROOK CO-OPERATIVE BANK — 2007
What HOLBROOK 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 | 101,968,000 | 101,823,000 | 100,178,000 | 105,357,000 |
| Total loans | 86,939,000 | 84,574,000 | 84,992,000 | 89,569,000 |
| Allowance for loan losses | 1,300,000 | 1,355,000 | 1,400,000 | 1,445,000 |
| Securities available for sale | 10,309,000 | 10,614,000 | 10,381,000 | 10,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,728,000 | 90,468,000 | 87,550,000 | 89,178,000 |
| Interest-bearing deposits | 80,321,000 | 82,159,000 | 79,349,000 | 80,755,000 |
| Noninterest-bearing deposits | 7,407,000 | 8,309,000 | 8,201,000 | 8,423,000 |
| Equity capital | 7,949,000 | 8,069,000 | 8,294,000 | 8,489,000 |
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 | 1,638,000 | 3,341,000 | 5,022,000 | 6,740,000 |
| Interest expense | 650,000 | 1,333,000 | 2,021,000 | 2,742,000 |
| Net interest income | 988,000 | 2,008,000 | 3,001,000 | 3,998,000 |
| Noninterest income | 69,000 | 155,000 | 246,000 | 324,000 |
| Noninterest expense | 677,000 | 1,499,000 | 2,270,000 | 3,031,000 |
| Provision for loan losses | 75,000 | 130,000 | 175,000 | 220,000 |
| Pretax income | 305,000 | 534,000 | 802,000 | 1,071,000 |
| Income tax | 116,000 | 202,000 | 304,000 | 405,000 |
| Net income | 189,000 | 332,000 | 498,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,990,000 | 8,133,000 | 8,299,000 | 8,467,000 |
| Total capital | 8,993,000 | 9,117,000 | 9,287,000 | 9,504,000 |
| Risk-weighted assets | 79,985,000 | 78,372,000 | 78,620,000 | 82,563,000 |