Call reports 2013
WALPOLE CO-OPERATIVE BANK — 2013
What WALPOLE CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 383,015,000 | 407,594,000 | 419,098,000 | 416,464,000 |
| Total loans | 304,450,000 | 324,074,000 | 337,616,000 | 335,501,000 |
| Allowance for loan losses | 4,413,000 | 4,536,000 | 4,271,000 | 4,431,000 |
| Securities available for sale | 58,855,000 | 63,950,000 | 61,672,000 | 61,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,464,000 | 282,214,000 | 282,366,000 | 280,607,000 |
| Interest-bearing deposits | 263,507,000 | 261,617,000 | 263,544,000 | 261,453,000 |
| Noninterest-bearing deposits | 18,957,000 | 20,597,000 | 18,822,000 | 19,154,000 |
| Equity capital | 74,924,000 | 74,583,000 | 74,904,000 | 75,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,768,000 | 7,676,000 | 11,828,000 | 16,055,000 |
| Interest expense | 496,000 | 983,000 | 1,473,000 | 1,955,000 |
| Net interest income | 3,272,000 | 6,693,000 | 10,355,000 | 14,100,000 |
| Noninterest income | 176,000 | 408,000 | 556,000 | 863,000 |
| Noninterest expense | 2,287,000 | 4,504,000 | 6,767,000 | 9,212,000 |
| Provision for loan losses | 90,000 | 195,000 | 1,485,000 | 1,589,000 |
| Pretax income | 1,084,000 | 2,415,000 | 2,672,000 | 4,175,000 |
| Income tax | 430,000 | 961,000 | 1,064,000 | 1,667,000 |
| Net income | 654,000 | 1,454,000 | 1,608,000 | 2,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,022,000 | 75,822,000 | 75,980,000 | 76,881,000 |
| Total capital | 78,843,000 | 79,903,000 | 80,235,000 | 81,119,000 |
| Risk-weighted assets | 305,075,000 | 325,995,000 | 340,384,000 | 338,877,000 |