Call reports 2016
WAKEFIELD CO-OPERATIVE BANK — 2016
What WAKEFIELD CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 197,454,000 | 203,368,000 | 201,767,000 | 206,727,000 |
| Total loans | 141,086,000 | 144,835,000 | 147,321,000 | 149,994,000 |
| Allowance for loan losses | 904,000 | 942,000 | 979,000 | 1,063,000 |
| Securities available for sale | 51,127,000 | 52,576,000 | 49,530,000 | 51,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,068,000 | 171,804,000 | 173,599,000 | 177,224,000 |
| Interest-bearing deposits | 147,213,000 | 151,986,000 | 153,929,000 | 154,623,000 |
| Noninterest-bearing deposits | 18,855,000 | 19,818,000 | 19,670,000 | 22,601,000 |
| Equity capital | 15,900,000 | 16,262,000 | 16,323,000 | 16,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,635,000 | 3,242,000 | 4,865,000 | 6,496,000 |
| Interest expense | 271,000 | 573,000 | 894,000 | 1,215,000 |
| Net interest income | 1,364,000 | 2,669,000 | 3,971,000 | 5,281,000 |
| Noninterest income | 125,000 | 260,000 | 398,000 | 643,000 |
| Noninterest expense | 1,136,000 | 2,341,000 | 3,525,000 | 4,695,000 |
| Provision for loan losses | 39,000 | 78,000 | 116,000 | 194,000 |
| Pretax income | 414,000 | 742,000 | 1,195,000 | 1,502,000 |
| Income tax | 143,000 | 254,000 | 413,000 | 523,000 |
| Net income | 271,000 | 488,000 | 782,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,665,000 | 15,934,000 | 16,228,000 | 16,425,000 |
| Total capital | 16,569,000 | 16,876,000 | 17,207,000 | 17,488,000 |
| Risk-weighted assets | 101,017,000 | 104,454,000 | 106,899,000 | 112,781,000 |