Call reports 2012
WALPOLE CO-OPERATIVE BANK — 2012
What WALPOLE CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 367,333,000 | 372,012,000 | 378,887,000 | 378,364,000 |
| Total loans | 296,657,000 | 305,770,000 | 309,994,000 | 304,918,000 |
| Allowance for loan losses | 4,312,000 | 4,364,000 | 4,454,000 | 4,310,000 |
| Securities available for sale | 47,531,000 | 47,601,000 | 48,023,000 | 52,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,922,000 | 273,062,000 | 278,377,000 | 276,044,000 |
| Interest-bearing deposits | 259,787,000 | 257,303,000 | 259,472,000 | 259,555,000 |
| Noninterest-bearing deposits | 16,135,000 | 15,759,000 | 18,905,000 | 16,489,000 |
| Equity capital | 71,973,000 | 72,740,000 | 73,535,000 | 74,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,800,000 | 7,792,000 | 11,872,000 | 15,976,000 |
| Interest expense | 604,000 | 1,172,000 | 1,725,000 | 2,259,000 |
| Net interest income | 3,196,000 | 6,620,000 | 10,147,000 | 13,717,000 |
| Noninterest income | 141,000 | 397,000 | 513,000 | 718,000 |
| Noninterest expense | 2,172,000 | 4,575,000 | 6,816,000 | 9,127,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,090,000 | 2,292,000 | 3,619,000 | 5,008,000 |
| Income tax | 433,000 | 913,000 | 1,442,000 | 2,005,000 |
| Net income | 657,000 | 1,379,000 | 2,177,000 | 3,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,022,000 | 72,736,000 | 73,543,000 | 74,369,000 |
| Total capital | 75,747,000 | 76,539,000 | 77,402,000 | 78,190,000 |
| Risk-weighted assets | 297,441,000 | 303,641,000 | 308,109,000 | 305,227,000 |