Call reports 2016
HOLBROOK CO-OPERATIVE BANK — 2016
What HOLBROOK CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 102,188,000 | 100,183,000 | 99,497,000 | 100,444,000 |
| Total loans | 79,603,000 | 80,101,000 | 78,095,000 | 73,305,000 |
| Allowance for loan losses | 715,000 | 691,000 | 707,000 | 728,000 |
| Securities available for sale | 6,689,000 | 6,531,000 | 8,260,000 | 7,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,715,000 | 86,682,000 | 86,831,000 | 87,909,000 |
| Interest-bearing deposits | 69,623,000 | 66,801,000 | 68,958,000 | 68,471,000 |
| Noninterest-bearing deposits | 23,092,000 | 19,881,000 | 17,873,000 | 19,438,000 |
| Equity capital | 9,254,000 | 9,318,000 | 9,335,000 | 9,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 1,817,000 | 2,746,000 | 3,616,000 |
| Interest expense | 54,000 | 107,000 | 162,000 | 214,000 |
| Net interest income | 867,000 | 1,710,000 | 2,584,000 | 3,402,000 |
| Noninterest income | 74,000 | 155,000 | 233,000 | 275,000 |
| Noninterest expense | 837,000 | 1,687,000 | 2,566,000 | 3,477,000 |
| Provision for loan losses | 20,000 | 42,000 | 61,000 | 82,000 |
| Pretax income | 84,000 | 136,000 | 190,000 | 118,000 |
| Income tax | 27,000 | 43,000 | 58,000 | 23,000 |
| Net income | 57,000 | 93,000 | 132,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,878,000 | 8,886,000 | 8,936,000 | 8,959,000 |
| Total capital | 9,593,000 | 9,577,000 | 9,643,000 | 9,687,000 |
| Risk-weighted assets | 71,564,000 | 71,562,000 | 71,275,000 | 66,630,000 |