Call reports 2016
WALPOLE CO-OPERATIVE BANK — 2016
What WALPOLE CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 446,547,000 | 447,759,000 | 465,708,000 | 467,641,000 |
| Total loans | 375,658,000 | 374,827,000 | 373,558,000 | 375,656,000 |
| Allowance for loan losses | 4,984,000 | 5,070,000 | 5,157,000 | 5,243,000 |
| Securities available for sale | 55,194,000 | 55,527,000 | 66,424,000 | 65,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,374,000 | 343,823,000 | 358,562,000 | 364,132,000 |
| Interest-bearing deposits | 303,526,000 | 320,719,000 | 333,544,000 | 340,422,000 |
| Noninterest-bearing deposits | 22,848,000 | 23,104,000 | 25,018,000 | 23,710,000 |
| Equity capital | 84,419,000 | 85,362,000 | 86,145,000 | 86,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,511,000 | 8,986,000 | 13,523,000 | 18,077,000 |
| Interest expense | 760,000 | 1,542,000 | 2,383,000 | 3,261,000 |
| Net interest income | 3,751,000 | 7,444,000 | 11,140,000 | 14,816,000 |
| Noninterest income | 127,000 | 253,000 | 364,000 | 502,000 |
| Noninterest expense | 2,517,000 | 4,963,000 | 7,442,000 | 9,792,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,286,000 | 2,584,000 | 3,837,000 | 5,226,000 |
| Income tax | 516,000 | 1,035,000 | 1,535,000 | 2,110,000 |
| Net income | 770,000 | 1,549,000 | 2,302,000 | 3,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,107,000 | 84,886,000 | 85,638,000 | 86,453,000 |
| Total capital | 89,037,000 | 89,890,000 | 90,542,000 | 91,414,000 |
| Risk-weighted assets | 394,308,000 | 400,398,000 | 392,032,000 | 396,562,000 |