Call reports 2005
WALPOLE CO-OPERATIVE BANK — 2005
What WALPOLE CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 311,742,000 | 310,200,000 | 315,726,000 | 317,458,000 |
| Total loans | 240,231,000 | 246,808,000 | 259,282,000 | 266,367,000 |
| Allowance for loan losses | 5,357,000 | 5,369,000 | 5,572,000 | 5,581,000 |
| Securities available for sale | 59,422,000 | 49,219,000 | 38,064,000 | 29,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,520,000 | 238,517,000 | 238,833,000 | 243,383,000 |
| Interest-bearing deposits | 220,276,000 | 219,850,000 | 219,831,000 | 224,613,000 |
| Noninterest-bearing deposits | 16,244,000 | 18,667,000 | 19,002,000 | 18,770,000 |
| Equity capital | 51,187,000 | 52,567,000 | 53,578,000 | 54,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,308,000 | 8,857,000 | 13,504,000 | 18,354,000 |
| Interest expense | 1,230,000 | 2,642,000 | 4,176,000 | 5,976,000 |
| Net interest income | 3,078,000 | 6,215,000 | 9,328,000 | 12,378,000 |
| Noninterest income | 82,000 | 171,000 | 260,000 | 365,000 |
| Noninterest expense | 1,373,000 | 2,762,000 | 4,186,000 | 6,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,787,000 | 3,613,000 | 5,391,000 | 6,667,000 |
| Income tax | 711,000 | 1,438,000 | 2,151,000 | 2,665,000 |
| Net income | 1,076,000 | 2,175,000 | 3,240,000 | 4,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,003,000 | 52,434,000 | 53,442,000 | 54,261,000 |
| Total capital | 54,349,000 | 55,808,000 | 56,824,000 | 57,665,000 |
| Risk-weighted assets | 265,645,000 | 267,924,000 | 268,367,000 | 270,167,000 |