Call reports 2006
WALPOLE CO-OPERATIVE BANK — 2006
What WALPOLE CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 309,967,000 | 310,498,000 | 311,223,000 | 301,622,000 |
| Total loans | 262,171,000 | 261,833,000 | 261,605,000 | 253,109,000 |
| Allowance for loan losses | 5,589,000 | 5,596,000 | 5,603,000 | 5,611,000 |
| Securities available for sale | 31,283,000 | 32,587,000 | 35,589,000 | 30,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,138,000 | 242,787,000 | 238,206,000 | 235,392,000 |
| Interest-bearing deposits | 229,508,000 | 224,737,000 | 222,127,000 | 215,522,000 |
| Noninterest-bearing deposits | 16,630,000 | 18,050,000 | 16,079,000 | 19,870,000 |
| Equity capital | 55,033,000 | 55,904,000 | 56,905,000 | 57,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,914,000 | 10,000,000 | 15,163,000 | 20,438,000 |
| Interest expense | 1,930,000 | 3,957,000 | 6,067,000 | 8,211,000 |
| Net interest income | 2,984,000 | 6,043,000 | 9,096,000 | 12,227,000 |
| Noninterest income | 123,000 | 198,000 | 274,000 | 375,000 |
| Noninterest expense | 1,775,000 | 3,340,000 | 4,919,000 | 6,557,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,332,000 | 2,901,000 | 4,451,000 | 6,045,000 |
| Income tax | 535,000 | 1,167,000 | 1,792,000 | 2,447,000 |
| Net income | 797,000 | 1,734,000 | 2,659,000 | 3,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,038,000 | 56,019,000 | 56,920,000 | 57,859,000 |
| Total capital | 58,355,000 | 59,239,000 | 60,124,000 | 61,064,000 |
| Risk-weighted assets | 263,111,000 | 255,223,000 | 253,894,000 | 254,016,000 |