Call reports 2015
WAKEFIELD CO-OPERATIVE BANK — 2015
What WAKEFIELD CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 185,182,000 | 188,170,000 | 190,904,000 | 194,135,000 |
| Total loans | 131,727,000 | 131,341,000 | 137,590,000 | 143,515,000 |
| Allowance for loan losses | 579,000 | 571,000 | 595,000 | 867,000 |
| Securities available for sale | 48,523,000 | 52,012,000 | 48,706,000 | 45,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,250,000 | 158,151,000 | 157,385,000 | 161,006,000 |
| Interest-bearing deposits | 140,631,000 | 138,139,000 | 139,041,000 | 143,652,000 |
| Noninterest-bearing deposits | 15,619,000 | 20,012,000 | 18,344,000 | 17,354,000 |
| Equity capital | 15,094,000 | 14,984,000 | 15,471,000 | 15,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 3,034,000 | 4,590,000 | 6,170,000 |
| Interest expense | 237,000 | 476,000 | 725,000 | 978,000 |
| Net interest income | 1,276,000 | 2,558,000 | 3,865,000 | 5,192,000 |
| Noninterest income | 94,000 | 250,000 | 342,000 | 439,000 |
| Noninterest expense | 1,131,000 | 2,277,000 | 3,374,000 | 4,437,000 |
| Provision for loan losses | -25,000 | -32,000 | -6,000 | 267,000 |
| Pretax income | 337,000 | 712,000 | 985,000 | 1,071,000 |
| Income tax | 112,000 | 236,000 | 324,000 | 337,000 |
| Net income | 225,000 | 476,000 | 661,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,884,000 | 15,136,000 | 15,321,000 | 15,394,000 |
| Total capital | 15,463,000 | 15,707,000 | 15,916,000 | 16,261,000 |
| Risk-weighted assets | 93,026,000 | 92,543,000 | 96,235,000 | 99,977,000 |