Call reports 2004
FALMOUTH CO-OPERATIVE BANK — 2004
What FALMOUTH CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 158,368,000 | 154,732,000 |
| Total loans | 91,170,000 | 96,669,000 |
| Allowance for loan losses | 821,000 | 870,000 |
| Securities available for sale | 28,583,000 | 29,769,000 |
| Securities held to maturity | 26,295,000 | 18,875,000 |
| Trading assets | 0 | 0 |
| Total deposits | 139,604,000 | 135,737,000 |
| Interest-bearing deposits | 117,945,000 | 111,079,000 |
| Noninterest-bearing deposits | 21,659,000 | 24,658,000 |
| Equity capital | 15,919,000 | 16,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Interest income | 1,489,000 | 3,017,000 |
| Interest expense | 431,000 | 853,000 |
| Net interest income | 1,058,000 | 2,164,000 |
| Noninterest income | 128,000 | 240,000 |
| Noninterest expense | 1,066,000 | 2,259,000 |
| Provision for loan losses | 60,000 | 109,000 |
| Pretax income | 111,000 | 88,000 |
| Income tax | 66,000 | 50,000 |
| Net income | 45,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 15,868,000 | 16,211,000 |
| Total capital | 16,689,000 | 17,081,000 |
| Risk-weighted assets | 114,717,000 | 103,442,000 |