Brookline Bancorp Inc is a Delaware corporation, organized in November 1997. The Company operates as a multi-bank holding company for Brookline Bank and its subsidiaries. The Bank's activities include acceptance of commercial business, municipal and retail deposits, origination of mortgage loans on commercial and residential real estate located principally in Massachusetts and Rhode Island, origination of commercial loans and leases to small and mid-sized businesses, origination of indirect automobile loans, investment in debt and equity securities, and the offering of cash management and investment advisory services. The Bank also provides specialty equipment financing through its subsidiaries. As a financial institution with 47 banking offices across Greater Boston, the North Shore of Massachusetts, and Rhode Island, the Bank, through Brookline Bank, BankRI and First Ipswich offers commercial business and retail banking services, including cash management products, on-line banking services, consumer and residential loans and investment services designed to meet the financial needs of small to mid-sized businesses and individuals across central New England. Specialty lending activities include indirect automobile loans as well as equipment financing in the New York and New Jersey metropolitan areas and elsewhere. The Bank focuses its business efforts on growing its commercial lending businesses, both organically and through acquisitions. In addition to other commercial banks, the Bank's competition for generating loans includes savings banks, credit unions, mortgage banking companies, insurance companies, and other financial services companies. As a bank holding company, the Company is subject to regulation, supervision and examination by the FRB under the Bank Holding Company Act of 1956, as amended, and by the Massachusetts Division of Banks and the Massachusetts Board of Bank Incorporation under Massachusetts General Laws Chapter 167A.