Call reports 2004
WALPOLE CO-OPERATIVE BANK — 2004
What WALPOLE 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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 293,140,000 | 294,306,000 | 301,870,000 | 306,469,000 |
| Total loans | 209,381,000 | 215,083,000 | 223,458,000 | 232,607,000 |
| Allowance for loan losses | 5,205,000 | 5,314,000 | 5,330,000 | 5,342,000 |
| Securities available for sale | 75,357,000 | 68,008,000 | 65,773,000 | 61,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,815,000 | 231,644,000 | 237,939,000 | 233,184,000 |
| Interest-bearing deposits | 218,940,000 | 214,093,000 | 218,845,000 | 216,292,000 |
| Noninterest-bearing deposits | 17,875,000 | 17,551,000 | 19,094,000 | 16,892,000 |
| Equity capital | 48,103,000 | 48,514,000 | 49,702,000 | 50,246,000 |
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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,960,000 | 8,042,000 | 12,061,000 | 16,285,000 |
| Interest expense | 979,000 | 1,940,000 | 2,904,000 | 3,931,000 |
| Net interest income | 2,981,000 | 6,102,000 | 9,157,000 | 12,354,000 |
| Noninterest income | 92,000 | 171,000 | 248,000 | 404,000 |
| Noninterest expense | 1,326,000 | 2,675,000 | 3,956,000 | 6,489,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,747,000 | 3,598,000 | 5,571,000 | 6,391,000 |
| Income tax | 694,000 | 1,434,000 | 2,229,000 | 2,290,000 |
| Net income | 1,053,000 | 2,164,000 | 3,342,000 | 4,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,857,000 | 47,990,000 | 49,165,000 | 49,909,000 |
| Total capital | 50,045,000 | 51,147,000 | 52,354,000 | 53,171,000 |
| Risk-weighted assets | 252,986,000 | 250,372,000 | 253,051,000 | 258,921,000 |