Call reports 2009
HOLBROOK CO-OPERATIVE BANK — 2009
What HOLBROOK CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 112,133,000 | 120,980,000 | 119,676,000 | 115,093,000 |
| Total loans | 94,458,000 | 98,854,000 | 98,642,000 | 97,513,000 |
| Allowance for loan losses | 1,549,000 | 2,032,000 | 2,031,000 | 2,121,000 |
| Securities available for sale | 11,178,000 | 11,359,000 | 10,654,000 | 10,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,629,000 | 106,079,000 | 104,279,000 | 102,173,000 |
| Interest-bearing deposits | 89,347,000 | 96,931,000 | 94,924,000 | 91,792,000 |
| Noninterest-bearing deposits | 7,282,000 | 9,148,000 | 9,355,000 | 10,381,000 |
| Equity capital | 9,158,000 | 8,526,000 | 8,589,000 | 8,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,562,000 | 3,187,000 | 4,847,000 | 6,454,000 |
| Interest expense | 532,000 | 1,065,000 | 1,591,000 | 2,025,000 |
| Net interest income | 1,030,000 | 2,122,000 | 3,256,000 | 4,429,000 |
| Noninterest income | 75,000 | 155,000 | 238,000 | 303,000 |
| Noninterest expense | 871,000 | 1,899,000 | 2,956,000 | 4,058,000 |
| Provision for loan losses | 75,000 | 1,210,000 | 1,300,000 | 1,390,000 |
| Pretax income | 182,000 | -809,000 | -735,000 | -642,000 |
| Income tax | 67,000 | -302,000 | -275,000 | -242,000 |
| Net income | 115,000 | -507,000 | -460,000 | -400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,075,000 | 8,454,000 | 8,450,000 | 8,511,000 |
| Total capital | 10,192,000 | 9,631,000 | 9,625,000 | 9,640,000 |
| Risk-weighted assets | 88,906,000 | 93,534,000 | 93,174,000 | 89,387,000 |