Call reports 2007
WALPOLE CO-OPERATIVE BANK — 2007
What WALPOLE CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 301,775,000 | 308,977,000 | 316,621,000 | 309,122,000 |
| Total loans | 250,326,000 | 247,239,000 | 252,319,000 | 244,876,000 |
| Allowance for loan losses | 5,702,000 | 5,710,000 | 5,717,000 | 5,725,000 |
| Securities available for sale | 27,497,000 | 46,281,000 | 48,488,000 | 43,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,957,000 | 238,767,000 | 237,952,000 | 236,726,000 |
| Interest-bearing deposits | 219,506,000 | 223,514,000 | 222,002,000 | 223,469,000 |
| Noninterest-bearing deposits | 15,451,000 | 15,253,000 | 15,950,000 | 13,257,000 |
| Equity capital | 58,616,000 | 58,974,000 | 59,756,000 | 60,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,094,000 | 10,201,000 | 15,375,000 | 20,666,000 |
| Interest expense | 2,115,000 | 4,375,000 | 6,692,000 | 9,089,000 |
| Net interest income | 2,979,000 | 5,826,000 | 8,683,000 | 11,577,000 |
| Noninterest income | 80,000 | 180,000 | 260,000 | 391,000 |
| Noninterest expense | 1,741,000 | 3,865,000 | 5,633,000 | 7,489,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,318,000 | 2,141,000 | 3,310,000 | 4,479,000 |
| Income tax | 538,000 | 874,000 | 1,357,000 | 1,838,000 |
| Net income | 780,000 | 1,267,000 | 1,953,000 | 2,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,636,000 | 59,126,000 | 59,812,000 | 60,492,000 |
| Total capital | 61,789,000 | 62,299,000 | 63,062,000 | 63,765,000 |
| Risk-weighted assets | 249,721,000 | 251,525,000 | 257,530,000 | 259,367,000 |