Call reports 2015
WRENTHAM CO-OPERATIVE BANK — 2015
What WRENTHAM CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 111,333,000 | 114,283,000 | 112,950,000 | 115,354,000 |
| Total loans | 69,641,000 | 71,686,000 | 71,644,000 | 73,227,000 |
| Allowance for loan losses | 423,000 | 431,000 | 445,000 | 452,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,971,000 | 16,884,000 | 13,904,000 | 13,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,369,000 | 98,210,000 | 96,765,000 | 99,045,000 |
| Interest-bearing deposits | 88,485,000 | 90,422,000 | 89,015,000 | 90,686,000 |
| Noninterest-bearing deposits | 6,885,000 | 7,788,000 | 7,751,000 | 8,358,000 |
| Equity capital | 14,905,000 | 14,994,000 | 15,182,000 | 15,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,618,000 | 2,507,000 | 3,314,000 |
| Interest expense | 78,000 | 159,000 | 239,000 | 316,000 |
| Net interest income | 734,000 | 1,459,000 | 2,268,000 | 2,998,000 |
| Noninterest income | 86,000 | 175,000 | 308,000 | 403,000 |
| Noninterest expense | 681,000 | 1,371,000 | 2,050,000 | 2,758,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 136,000 | 253,000 | 503,000 | 613,000 |
| Income tax | 38,000 | 66,000 | 127,000 | 149,000 |
| Net income | 98,000 | 187,000 | 376,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,905,000 | 14,994,000 | 15,182,000 | 15,270,000 |
| Total capital | 15,368,000 | 15,465,000 | 15,660,000 | 15,756,000 |
| Risk-weighted assets | 53,013,000 | 54,815,000 | 56,831,000 | 56,859,000 |