Call reports 2009
WAKEFIELD CO-OPERATIVE BANK — 2009
What WAKEFIELD CO-OPERATIVE BANK 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 | 126,274,000 | 130,862,000 | 138,199,000 | 141,195,000 |
| Total loans | 84,361,000 | 87,680,000 | 88,373,000 | 87,444,000 |
| Allowance for loan losses | 480,000 | 515,000 | 613,000 | 232,000 |
| Securities available for sale | 29,645,000 | 36,129,000 | 44,329,000 | 42,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,557,000 | 114,605,000 | 120,198,000 | 125,047,000 |
| Interest-bearing deposits | 101,644,000 | 104,567,000 | 110,880,000 | 114,176,000 |
| Noninterest-bearing deposits | 8,913,000 | 10,038,000 | 9,318,000 | 10,871,000 |
| Equity capital | 10,044,000 | 10,381,000 | 10,569,000 | 10,463,000 |
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 | 1,408,000 | 2,874,000 | 4,394,000 | 5,872,000 |
| Interest expense | 494,000 | 1,009,000 | 1,533,000 | 2,024,000 |
| Net interest income | 914,000 | 1,865,000 | 2,861,000 | 3,848,000 |
| Noninterest income | 91,000 | 260,000 | 473,000 | 641,000 |
| Noninterest expense | 950,000 | 1,912,000 | 2,948,000 | 3,928,000 |
| Provision for loan losses | 64,000 | 159,000 | 254,000 | 364,000 |
| Pretax income | 127,000 | 190,000 | 444,000 | 518,000 |
| Income tax | 39,000 | 63,000 | 158,000 | 184,000 |
| Net income | 88,000 | 127,000 | 286,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,049,000 | 10,090,000 | 10,239,000 | 10,285,000 |
| Total capital | 10,529,000 | 10,605,000 | 10,852,000 | 10,517,000 |
| Risk-weighted assets | 63,616,000 | 65,463,000 | 67,017,000 | 66,867,000 |