Call reports 2014
WAKEFIELD CO-OPERATIVE BANK — 2014
What WAKEFIELD CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 171,761,000 | 174,742,000 | 180,087,000 | 183,806,000 |
| Total loans | 115,247,000 | 117,480,000 | 124,611,000 | 130,976,000 |
| Allowance for loan losses | 762,000 | 713,000 | 725,000 | 582,000 |
| Securities available for sale | 51,085,000 | 52,389,000 | 50,136,000 | 47,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,699,000 | 147,124,000 | 146,497,000 | 151,366,000 |
| Interest-bearing deposits | 135,921,000 | 133,535,000 | 131,687,000 | 136,166,000 |
| Noninterest-bearing deposits | 13,778,000 | 13,589,000 | 14,810,000 | 15,200,000 |
| Equity capital | 14,094,000 | 14,465,000 | 14,572,000 | 14,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,846,000 | 4,266,000 | 5,761,000 |
| Interest expense | 249,000 | 495,000 | 738,000 | 978,000 |
| Net interest income | 1,171,000 | 2,351,000 | 3,528,000 | 4,783,000 |
| Noninterest income | 128,000 | 234,000 | 318,000 | 383,000 |
| Noninterest expense | 1,101,000 | 2,497,000 | 3,587,000 | 4,820,000 |
| Provision for loan losses | 26,000 | -5,000 | 5,000 | 42,000 |
| Pretax income | 172,000 | 241,000 | 655,000 | 785,000 |
| Income tax | 49,000 | 50,000 | 186,000 | 213,000 |
| Net income | 123,000 | 191,000 | 469,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,211,000 | 14,278,000 | 14,556,000 | 14,660,000 |
| Total capital | 14,973,000 | 14,991,000 | 15,281,000 | 15,242,000 |
| Risk-weighted assets | 75,907,000 | 77,203,000 | 83,764,000 | 88,789,000 |