Call reports 2014
WALPOLE CO-OPERATIVE BANK — 2014
What WALPOLE CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 416,314,000 | 410,371,000 | 404,272,000 | 408,116,000 |
| Total loans | 333,489,000 | 335,329,000 | 332,272,000 | 336,526,000 |
| Allowance for loan losses | 4,549,000 | 4,680,000 | 4,736,000 | 4,766,000 |
| Securities available for sale | 57,866,000 | 54,284,000 | 54,193,000 | 54,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,221,000 | 280,756,000 | 281,086,000 | 280,787,000 |
| Interest-bearing deposits | 258,723,000 | 259,972,000 | 261,795,000 | 260,907,000 |
| Noninterest-bearing deposits | 20,498,000 | 20,784,000 | 19,291,000 | 19,880,000 |
| Equity capital | 76,666,000 | 77,778,000 | 78,577,000 | 80,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,100,000 | 8,215,000 | 12,295,000 | 16,389,000 |
| Interest expense | 461,000 | 914,000 | 1,377,000 | 1,837,000 |
| Net interest income | 3,639,000 | 7,301,000 | 10,918,000 | 14,552,000 |
| Noninterest income | 142,000 | 510,000 | 619,000 | 857,000 |
| Noninterest expense | 2,433,000 | 4,924,000 | 7,229,000 | 9,849,000 |
| Provision for loan losses | 105,000 | 210,000 | 210,000 | 210,000 |
| Pretax income | 1,243,000 | 2,677,000 | 4,098,000 | 5,350,000 |
| Income tax | 497,000 | 1,068,000 | 1,635,000 | 2,134,000 |
| Net income | 746,000 | 1,609,000 | 2,463,000 | 3,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,621,000 | 78,484,000 | 79,338,000 | 80,091,000 |
| Total capital | 81,835,000 | 82,699,000 | 83,508,000 | 84,323,000 |
| Risk-weighted assets | 336,774,000 | 336,722,000 | 333,072,000 | 338,050,000 |