Call reports 2003
WALPOLE CO-OPERATIVE BANK — 2003
What WALPOLE 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 | 269,145,000 | 274,287,000 | 282,076,000 | 293,802,000 |
| Total loans | 186,341,000 | 180,421,000 | 188,271,000 | 199,554,000 |
| Allowance for loan losses | 4,999,000 | 5,163,000 | 5,169,000 | 5,182,000 |
| Securities available for sale | 67,497,000 | 76,450,000 | 76,831,000 | 84,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,923,000 | 227,098,000 | 233,581,000 | 233,487,000 |
| Interest-bearing deposits | 207,554,000 | 210,939,000 | 218,039,000 | 216,920,000 |
| Noninterest-bearing deposits | 16,369,000 | 16,159,000 | 15,542,000 | 16,567,000 |
| Equity capital | 43,902,000 | 45,423,000 | 46,495,000 | 47,027,000 |
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 | 4,305,000 | 8,339,000 | 12,267,000 | 16,243,000 |
| Interest expense | 1,214,000 | 2,399,000 | 3,517,000 | 4,530,000 |
| Net interest income | 3,091,000 | 5,940,000 | 8,750,000 | 11,713,000 |
| Noninterest income | 147,000 | 320,000 | 420,000 | 525,000 |
| Noninterest expense | 1,471,000 | 2,737,000 | 4,044,000 | 5,407,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 1,752,000 | 3,493,000 | 5,096,000 | 6,801,000 |
| Income tax | 1,104,000 | 1,586,000 | 2,224,000 | 2,742,000 |
| Net income | 648,000 | 1,907,000 | 2,872,000 | 4,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,393,000 | 43,652,000 | 44,639,000 | 45,826,000 |
| Total capital | 45,281,000 | 46,618,000 | 47,732,000 | 49,015,000 |
| Risk-weighted assets | 228,952,000 | 235,072,000 | 245,394,000 | 253,096,000 |