Call reports 2013
HOLBROOK CO-OPERATIVE BANK — 2013
What HOLBROOK CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 90,885,000 | 92,988,000 | 89,870,000 | 90,273,000 |
| Total loans | 65,411,000 | 70,353,000 | 67,663,000 | 67,025,000 |
| Allowance for loan losses | 1,101,000 | 921,000 | 930,000 | 934,000 |
| Securities available for sale | 10,667,000 | 10,061,000 | 10,291,000 | 12,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,141,000 | 83,874,000 | 81,113,000 | 81,539,000 |
| Interest-bearing deposits | 72,208,000 | 70,165,000 | 68,425,000 | 68,147,000 |
| Noninterest-bearing deposits | 9,933,000 | 13,709,000 | 12,688,000 | 13,392,000 |
| Equity capital | 8,487,000 | 8,401,000 | 8,457,000 | 8,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 885,000 | 1,779,000 | 2,634,000 | 3,508,000 |
| Interest expense | 92,000 | 174,000 | 248,000 | 313,000 |
| Net interest income | 793,000 | 1,605,000 | 2,386,000 | 3,195,000 |
| Noninterest income | 56,000 | 137,000 | 244,000 | 319,000 |
| Noninterest expense | 900,000 | 1,836,000 | 2,649,000 | 3,478,000 |
| Provision for loan losses | -125,000 | -310,000 | -310,000 | -310,000 |
| Pretax income | 74,000 | 216,000 | 291,000 | 346,000 |
| Income tax | 29,000 | 64,000 | 91,000 | 106,000 |
| Net income | 45,000 | 152,000 | 200,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,042,000 | 8,176,000 | 8,150,000 | 8,161,000 |
| Total capital | 8,817,000 | 8,973,000 | 8,894,000 | 8,975,000 |
| Risk-weighted assets | 61,706,000 | 63,615,000 | 59,373,000 | 65,027,000 |