Call reports 2003
FALMOUTH CO-OPERATIVE BANK — 2003
What FALMOUTH CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 157,105,000 | 163,949,000 | 166,171,000 | 158,451,000 |
| Total loans | 82,805,000 | 84,773,000 | 84,080,000 | 88,426,000 |
| Allowance for loan losses | 939,000 | 941,000 | 940,000 | 761,000 |
| Securities available for sale | 20,638,000 | 34,052,000 | 37,179,000 | 36,345,000 |
| Securities held to maturity | 30,395,000 | 30,376,000 | 32,550,000 | 24,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,806,000 | 142,519,000 | 146,715,000 | 138,841,000 |
| Interest-bearing deposits | 115,248,000 | 120,925,000 | 125,026,000 | 116,771,000 |
| Noninterest-bearing deposits | 18,558,000 | 21,594,000 | 21,689,000 | 22,070,000 |
| Equity capital | 15,363,000 | 16,164,000 | 16,552,000 | 16,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,686,000 | 3,308,000 | 4,842,000 | 6,409,000 |
| Interest expense | 631,000 | 1,193,000 | 1,714,000 | 2,180,000 |
| Net interest income | 1,055,000 | 2,115,000 | 3,128,000 | 4,229,000 |
| Noninterest income | 335,000 | 535,000 | 925,000 | 1,086,000 |
| Noninterest expense | 886,000 | 1,737,000 | 2,665,000 | 3,743,000 |
| Provision for loan losses | 0 | 0 | 0 | -180,000 |
| Pretax income | 125,000 | 533,000 | 1,014,000 | 1,395,000 |
| Income tax | 92,000 | 475,000 | 684,000 | 1,023,000 |
| Net income | -539,000 | 58,000 | 330,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,288,000 | 16,124,000 | 16,505,000 | 16,717,000 |
| Total capital | 16,227,000 | 17,065,000 | 17,445,000 | 17,495,000 |
| Risk-weighted assets | 110,629,000 | 127,801,000 | 133,234,000 | 125,293,000 |