Call reports 2002
FALMOUTH CO-OPERATIVE BANK — 2002
What FALMOUTH CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 147,269,000 | 155,332,000 | 153,184,000 | 152,257,000 |
| Total loans | 108,505,000 | 107,400,000 | 95,949,000 | 85,739,000 |
| Allowance for loan losses | 1,020,000 | 1,050,000 | 939,000 | 939,000 |
| Securities available for sale | 12,809,000 | 17,430,000 | 18,713,000 | 20,867,000 |
| Securities held to maturity | 14,969,000 | 16,991,000 | 28,060,000 | 29,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,678,000 | 133,235,000 | 132,308,000 | 130,244,000 |
| Interest-bearing deposits | 110,114,000 | 114,807,000 | 114,140,000 | 113,387,000 |
| Noninterest-bearing deposits | 14,564,000 | 18,428,000 | 18,168,000 | 16,857,000 |
| Equity capital | 15,952,000 | 14,683,000 | 14,753,000 | 15,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,148,000 | 4,374,000 | 6,406,000 | 8,287,000 |
| Interest expense | 853,000 | 1,637,000 | 2,423,000 | 3,146,000 |
| Net interest income | 1,295,000 | 2,737,000 | 3,983,000 | 5,141,000 |
| Noninterest income | 175,000 | 372,000 | 731,000 | 1,147,000 |
| Noninterest expense | 789,000 | 1,605,000 | 2,393,000 | 3,256,000 |
| Provision for loan losses | 30,000 | 60,000 | -50,000 | -50,000 |
| Pretax income | 651,000 | 1,374,000 | 1,773,000 | 2,407,000 |
| Income tax | 226,000 | 480,000 | 665,000 | 887,000 |
| Net income | 425,000 | 894,000 | 1,108,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,847,000 | 14,588,000 | 14,678,000 | 15,419,000 |
| Total capital | 16,867,000 | 15,638,000 | 15,617,000 | 16,358,000 |
| Risk-weighted assets | 98,801,000 | 104,793,000 | 107,015,000 | 107,345,000 |