Call reports 2005
SAVINGS BANK OF WALPOLE — 2005
What SAVINGS BANK OF WALPOLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 226,147,000 | 229,338,000 | 229,033,000 | 228,590,000 |
| Total loans | 158,861,000 | 162,272,000 | 165,569,000 | 167,096,000 |
| Allowance for loan losses | 1,499,000 | 1,499,000 | 1,496,000 | 1,499,000 |
| Securities available for sale | 48,993,000 | 46,096,000 | 42,417,000 | 41,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,818,000 | 209,344,000 | 209,010,000 | 208,382,000 |
| Interest-bearing deposits | 194,828,000 | 197,149,000 | 195,695,000 | 195,810,000 |
| Noninterest-bearing deposits | 10,990,000 | 12,195,000 | 13,315,000 | 12,572,000 |
| Equity capital | 18,396,000 | 18,919,000 | 18,866,000 | 18,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,727,000 | 5,507,000 | 8,363,000 | 11,292,000 |
| Interest expense | 790,000 | 1,578,000 | 2,444,000 | 3,410,000 |
| Net interest income | 1,937,000 | 3,929,000 | 5,919,000 | 7,882,000 |
| Noninterest income | 287,000 | 693,000 | 1,081,000 | 1,541,000 |
| Noninterest expense | 1,865,000 | 3,836,000 | 5,835,000 | 7,860,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 65,000 |
| Pretax income | 374,000 | 808,000 | 1,188,000 | 1,526,000 |
| Income tax | 123,000 | 268,000 | 401,000 | 487,000 |
| Net income | 251,000 | 540,000 | 787,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,695,000 | 18,983,000 | 19,231,000 | 19,482,000 |
| Total capital | 20,194,000 | 20,482,000 | 20,727,000 | 20,981,000 |
| Risk-weighted assets | 144,460,000 | 145,744,000 | 148,368,000 | 149,025,000 |
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