Call reports 2006
WAKEFIELD CO-OPERATIVE BANK — 2006
What WAKEFIELD CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 109,107,000 | 110,666,000 | 107,515,000 | 109,804,000 |
| Total loans | 68,598,000 | 60,901,000 | 65,555,000 | 68,290,000 |
| Allowance for loan losses | 278,000 | 286,000 | 294,000 | 301,000 |
| Securities available for sale | 799,000 | 1,048,000 | 1,062,000 | 1,226,000 |
| Securities held to maturity | 29,500,000 | 29,995,000 | 29,998,000 | 29,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,053,000 | 95,365,000 | 92,103,000 | 94,260,000 |
| Interest-bearing deposits | 85,953,000 | 86,034,000 | 83,236,000 | 85,200,000 |
| Noninterest-bearing deposits | 8,100,000 | 9,331,000 | 8,867,000 | 9,060,000 |
| Equity capital | 8,848,000 | 9,031,000 | 9,152,000 | 9,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,940,000 | 4,443,000 | 5,958,000 |
| Interest expense | 438,000 | 919,000 | 1,439,000 | 2,019,000 |
| Net interest income | 1,015,000 | 2,021,000 | 3,004,000 | 3,939,000 |
| Noninterest income | 79,000 | 334,000 | 444,000 | 624,000 |
| Noninterest expense | 837,000 | 1,782,000 | 2,680,000 | 3,555,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 250,000 | 558,000 | 746,000 | 978,000 |
| Income tax | 94,000 | 219,000 | 286,000 | 376,000 |
| Net income | 156,000 | 339,000 | 460,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,837,000 | 9,022,000 | 9,143,000 | 9,287,000 |
| Total capital | 9,115,000 | 9,308,000 | 9,437,000 | 9,588,000 |
| Risk-weighted assets | 47,085,000 | 48,829,000 | 49,322,000 | 50,147,000 |