Call reports 2005
WAKEFIELD CO-OPERATIVE BANK — 2005
What WAKEFIELD CO-OPERATIVE BANK 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 | 103,592,000 | 99,136,000 | 106,538,000 | 106,619,000 |
| Total loans | 63,516,000 | 58,669,000 | 62,931,000 | 61,827,000 |
| Allowance for loan losses | 252,000 | 257,000 | 264,000 | 271,000 |
| Securities available for sale | 372,000 | 776,000 | 783,000 | 790,000 |
| Securities held to maturity | 29,500,000 | 29,500,000 | 29,500,000 | 29,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,227,000 | 90,469,000 | 91,863,000 | 91,675,000 |
| Interest-bearing deposits | 86,801,000 | 81,584,000 | 82,022,000 | 83,278,000 |
| Noninterest-bearing deposits | 8,426,000 | 8,885,000 | 9,841,000 | 8,397,000 |
| Equity capital | 8,109,000 | 8,332,000 | 8,492,000 | 8,692,000 |
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 | 1,226,000 | 2,446,000 | 3,717,000 | 5,094,000 |
| Interest expense | 275,000 | 561,000 | 866,000 | 1,245,000 |
| Net interest income | 951,000 | 1,885,000 | 2,851,000 | 3,849,000 |
| Noninterest income | 158,000 | 387,000 | 549,000 | 650,000 |
| Noninterest expense | 775,000 | 1,559,000 | 2,411,000 | 3,173,000 |
| Provision for loan losses | 0 | 5,000 | 13,000 | 20,000 |
| Pretax income | 334,000 | 708,000 | 976,000 | 1,306,000 |
| Income tax | 133,000 | 284,000 | 392,000 | 522,000 |
| Net income | 201,000 | 424,000 | 584,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,104,000 | 8,323,000 | 8,477,000 | 8,681,000 |
| Total capital | 8,356,000 | 8,580,000 | 8,741,000 | 8,952,000 |
| Risk-weighted assets | 44,428,000 | 44,909,000 | 46,516,000 | 46,627,000 |