Call reports 2009
SAVINGS BANK OF WALPOLE — 2009
What SAVINGS BANK OF WALPOLE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 265,107,000 | 278,597,000 | 279,978,000 | 285,400,000 |
| Total loans | 179,974,000 | 187,299,000 | 189,782,000 | 188,380,000 |
| Allowance for loan losses | 1,885,000 | 2,092,000 | 2,243,000 | 2,299,000 |
| Securities available for sale | 56,736,000 | 59,307,000 | 58,420,000 | 57,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,862,000 | 253,646,000 | 254,368,000 | 259,169,000 |
| Interest-bearing deposits | 228,877,000 | 238,437,000 | 238,880,000 | 244,640,000 |
| Noninterest-bearing deposits | 11,985,000 | 15,209,000 | 15,488,000 | 14,529,000 |
| Equity capital | 21,517,000 | 22,565,000 | 23,582,000 | 24,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,081,000 | 6,177,000 | 9,323,000 | 12,405,000 |
| Interest expense | 982,000 | 1,921,000 | 2,775,000 | 3,518,000 |
| Net interest income | 2,099,000 | 4,256,000 | 6,548,000 | 8,887,000 |
| Noninterest income | 416,000 | 954,000 | 1,511,000 | 2,052,000 |
| Noninterest expense | 2,308,000 | 4,407,000 | 6,620,000 | 8,946,000 |
| Provision for loan losses | 75,000 | 298,000 | 489,000 | 639,000 |
| Pretax income | 21,000 | 758,000 | 1,631,000 | 2,490,000 |
| Income tax | 43,000 | 208,000 | 395,000 | 529,000 |
| Net income | -22,000 | 550,000 | 1,236,000 | 1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,785,000 | 20,425,000 | 21,131,000 | 21,925,000 |
| Total capital | 21,670,000 | 22,649,000 | 23,410,000 | 24,194,000 |
| Risk-weighted assets | 166,098,000 | 169,603,000 | 169,958,000 | 169,273,000 |