Call reports 2008
HOLBROOK CO-OPERATIVE BANK — 2008
What HOLBROOK 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 | 107,679,000 | 112,758,000 | 111,653,000 | 110,347,000 |
| Total loans | 90,220,000 | 90,422,000 | 89,920,000 | 91,924,000 |
| Allowance for loan losses | 1,490,000 | 1,447,000 | 1,475,000 | 1,474,000 |
| Securities available for sale | 9,463,000 | 11,287,000 | 11,205,000 | 11,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,623,000 | 98,693,000 | 97,467,000 | 96,505,000 |
| Interest-bearing deposits | 86,699,000 | 90,805,000 | 87,513,000 | 87,559,000 |
| Noninterest-bearing deposits | 6,924,000 | 7,888,000 | 9,954,000 | 8,946,000 |
| Equity capital | 8,694,000 | 8,736,000 | 8,826,000 | 9,002,000 |
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 | 1,713,000 | 3,345,000 | 4,976,000 | 6,549,000 |
| Interest expense | 727,000 | 1,412,000 | 2,061,000 | 2,662,000 |
| Net interest income | 986,000 | 1,933,000 | 2,915,000 | 3,887,000 |
| Noninterest income | 80,000 | 161,000 | 265,000 | 346,000 |
| Noninterest expense | 763,000 | 1,575,000 | 2,428,000 | 3,262,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 190,000 |
| Pretax income | 258,000 | 429,000 | 617,000 | 781,000 |
| Income tax | 96,000 | 159,000 | 230,000 | 289,000 |
| Net income | 162,000 | 270,000 | 387,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,629,000 | 8,738,000 | 8,855,000 | 8,960,000 |
| Total capital | 9,675,000 | 9,819,000 | 9,923,000 | 10,043,000 |
| Risk-weighted assets | 83,203,000 | 86,095,000 | 85,097,000 | 86,308,000 |