Call reports 2016
WRENTHAM CO-OPERATIVE BANK — 2016
What WRENTHAM 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 | 118,216,000 | 116,438,000 | 114,909,000 | 116,495,000 |
| Total loans | 74,381,000 | 74,472,000 | 74,308,000 | 73,797,000 |
| Allowance for loan losses | 472,000 | 480,000 | 486,000 | 485,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,215,000 | 9,530,000 | 8,698,000 | 8,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,791,000 | 99,922,000 | 98,307,000 | 99,767,000 |
| Interest-bearing deposits | 93,014,000 | 91,575,000 | 89,987,000 | 89,324,000 |
| Noninterest-bearing deposits | 8,778,000 | 8,346,000 | 8,320,000 | 10,443,000 |
| Equity capital | 15,364,000 | 15,430,000 | 15,541,000 | 15,591,000 |
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 | 820,000 | 1,639,000 | 2,420,000 | 3,202,000 |
| Interest expense | 79,000 | 163,000 | 246,000 | 331,000 |
| Net interest income | 741,000 | 1,476,000 | 2,174,000 | 2,871,000 |
| Noninterest income | 85,000 | 174,000 | 307,000 | 399,000 |
| Noninterest expense | 694,000 | 1,428,000 | 2,124,000 | 2,856,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 23,000 |
| Pretax income | 124,000 | 207,000 | 334,000 | 391,000 |
| Income tax | 31,000 | 46,000 | 63,000 | 69,000 |
| Net income | 93,000 | 161,000 | 271,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,364,000 | 15,430,000 | 15,541,000 | 15,591,000 |
| Total capital | 15,857,000 | 15,931,000 | 16,049,000 | 16,099,000 |
| Risk-weighted assets | 58,372,000 | 57,655,000 | 57,107,000 | 56,884,000 |