Call reports 2010
WAKEFIELD CO-OPERATIVE BANK — 2010
What WAKEFIELD CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 141,157,000 | 142,793,000 | 141,091,000 | 141,299,000 |
| Total loans | 84,902,000 | 84,749,000 | 81,486,000 | 82,627,000 |
| Allowance for loan losses | 377,000 | 435,000 | 479,000 | 499,000 |
| Securities available for sale | 43,085,000 | 48,707,000 | 51,892,000 | 52,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,782,000 | 125,925,000 | 123,910,000 | 122,793,000 |
| Interest-bearing deposits | 114,824,000 | 115,969,000 | 114,078,000 | 113,118,000 |
| Noninterest-bearing deposits | 9,958,000 | 9,956,000 | 9,832,000 | 9,675,000 |
| Equity capital | 10,653,000 | 11,039,000 | 11,273,000 | 11,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 2,890,000 | 4,254,000 | 5,624,000 |
| Interest expense | 451,000 | 885,000 | 1,291,000 | 1,666,000 |
| Net interest income | 994,000 | 2,005,000 | 2,963,000 | 3,958,000 |
| Noninterest income | 182,000 | 280,000 | 612,000 | 907,000 |
| Noninterest expense | 932,000 | 1,759,000 | 2,669,000 | 3,621,000 |
| Provision for loan losses | 142,000 | 201,000 | 242,000 | 355,000 |
| Pretax income | 272,000 | 547,000 | 996,000 | 1,222,000 |
| Income tax | 106,000 | 213,000 | 394,000 | 483,000 |
| Net income | 166,000 | 334,000 | 602,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,469,000 | 10,636,000 | 10,905,000 | 11,043,000 |
| Total capital | 10,846,000 | 11,071,000 | 11,384,000 | 11,542,000 |
| Risk-weighted assets | 64,541,000 | 63,284,000 | 62,351,000 | 63,771,000 |