Call reports 2004
WAKEFIELD CO-OPERATIVE BANK — 2004
What WAKEFIELD CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 105,274,000 | 104,919,000 | 100,415,000 | 102,478,000 |
| Total loans | 49,551,000 | 46,956,000 | 56,462,000 | 58,163,000 |
| Allowance for loan losses | 237,000 | 253,000 | 253,000 | 253,000 |
| Securities available for sale | 4,399,000 | 15,194,000 | 3,220,000 | 2,230,000 |
| Securities held to maturity | 39,000,000 | 33,500,000 | 33,500,000 | 29,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,605,000 | 97,140,000 | 92,558,000 | 94,383,000 |
| Interest-bearing deposits | 88,699,000 | 88,642,000 | 84,267,000 | 85,463,000 |
| Noninterest-bearing deposits | 8,906,000 | 8,498,000 | 8,291,000 | 8,920,000 |
| Equity capital | 7,474,000 | 7,613,000 | 7,717,000 | 7,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,097,000 | 2,120,000 | 3,200,000 | 4,365,000 |
| Interest expense | 321,000 | 618,000 | 886,000 | 1,152,000 |
| Net interest income | 776,000 | 1,502,000 | 2,314,000 | 3,213,000 |
| Noninterest income | 207,000 | 439,000 | 570,000 | 667,000 |
| Noninterest expense | 775,000 | 1,504,000 | 2,286,000 | 2,972,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 208,000 | 437,000 | 598,000 | 908,000 |
| Income tax | 79,000 | 169,000 | 226,000 | 345,000 |
| Net income | 129,000 | 268,000 | 372,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,474,000 | 7,608,000 | 7,711,000 | 7,902,000 |
| Total capital | 7,711,000 | 7,861,000 | 7,964,000 | 8,155,000 |
| Risk-weighted assets | 41,797,000 | 51,091,000 | 43,616,000 | 43,744,000 |