Call reports 2014
HOLBROOK CO-OPERATIVE BANK — 2014
What HOLBROOK CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 91,553,000 | 94,721,000 | 95,069,000 | 95,180,000 |
| Total loans | 71,337,000 | 70,884,000 | 71,853,000 | 73,185,000 |
| Allowance for loan losses | 1,081,000 | 835,000 | 824,000 | 659,000 |
| Securities available for sale | 12,020,000 | 11,970,000 | 11,770,000 | 10,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,261,000 | 82,301,000 | 82,601,000 | 82,661,000 |
| Interest-bearing deposits | 68,066,000 | 70,072,000 | 68,372,000 | 69,087,000 |
| Noninterest-bearing deposits | 11,195,000 | 12,229,000 | 14,229,000 | 13,574,000 |
| Equity capital | 8,631,000 | 8,861,000 | 8,952,000 | 8,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,785,000 | 2,639,000 | 3,488,000 |
| Interest expense | 56,000 | 120,000 | 181,000 | 238,000 |
| Net interest income | 824,000 | 1,665,000 | 2,458,000 | 3,250,000 |
| Noninterest income | 77,000 | -32,000 | 74,000 | 165,000 |
| Noninterest expense | 796,000 | 1,627,000 | 2,421,000 | 3,512,000 |
| Provision for loan losses | 0 | -250,000 | -250,000 | -410,000 |
| Pretax income | 105,000 | 256,000 | 361,000 | 392,000 |
| Income tax | 33,000 | 64,000 | 95,000 | 138,000 |
| Net income | 72,000 | 192,000 | 266,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,235,000 | 8,592,000 | 8,599,000 | 8,688,000 |
| Total capital | 9,153,000 | 9,368,000 | 9,383,000 | 9,347,000 |
| Risk-weighted assets | 73,293,000 | 62,030,000 | 62,719,000 | 67,704,000 |