Call reports 2003
WAKEFIELD CO-OPERATIVE BANK — 2003
What WAKEFIELD CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 107,696,000 | 110,956,000 | 106,688,000 | 105,809,000 |
| Total loans | 54,648,000 | 42,963,000 | 51,896,000 | 53,806,000 |
| Allowance for loan losses | 197,000 | 197,000 | 187,000 | 237,000 |
| Securities available for sale | 9,324,000 | 14,361,000 | 3,382,000 | 3,391,000 |
| Securities held to maturity | 33,987,000 | 43,991,000 | 43,996,000 | 37,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,425,000 | 103,567,000 | 99,257,000 | 98,319,000 |
| Interest-bearing deposits | 93,226,000 | 95,211,000 | 91,499,000 | 90,568,000 |
| Noninterest-bearing deposits | 7,199,000 | 8,356,000 | 7,758,000 | 7,751,000 |
| Equity capital | 7,080,000 | 7,212,000 | 7,251,000 | 7,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,363,000 | 3,500,000 | 4,624,000 |
| Interest expense | 501,000 | 971,000 | 1,389,000 | 1,767,000 |
| Net interest income | 717,000 | 1,392,000 | 2,111,000 | 2,857,000 |
| Noninterest income | 131,000 | 388,000 | 484,000 | 586,000 |
| Noninterest expense | 678,000 | 1,390,000 | 2,133,000 | 2,827,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 170,000 | 390,000 | 462,000 | 616,000 |
| Income tax | 59,000 | 147,000 | 180,000 | 240,000 |
| Net income | 111,000 | 243,000 | 282,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,080,000 | 7,212,000 | 7,251,000 | 7,345,000 |
| Total capital | 7,277,000 | 7,409,000 | 7,438,000 | 7,582,000 |
| Risk-weighted assets | 44,916,000 | 47,930,000 | 39,839,000 | 40,544,000 |