Call reports 2020
WALPOLE CO-OPERATIVE BANK — 2020
What WALPOLE CO-OPERATIVE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 529,300,000 | 549,736,000 | 562,093,000 | 555,316,000 |
| Total loans | 446,748,000 | 469,555,000 | 483,691,000 | 472,484,000 |
| Allowance for loan losses | 6,111,000 | 6,216,000 | 6,274,000 | 6,488,000 |
| Securities available for sale | 57,685,000 | 57,802,000 | 61,471,000 | 57,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,023,000 | 421,160,000 | 420,418,000 | 425,951,000 |
| Interest-bearing deposits | 372,859,000 | 385,786,000 | 386,153,000 | 395,082,000 |
| Noninterest-bearing deposits | 26,164,000 | 35,374,000 | 34,265,000 | 30,869,000 |
| Equity capital | 96,786,000 | 97,698,000 | 98,851,000 | 100,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,553,000 | 11,029,000 | 16,597,000 | 22,566,000 |
| Interest expense | 1,649,000 | 3,124,000 | 4,290,000 | 5,238,000 |
| Net interest income | 3,904,000 | 7,905,000 | 12,307,000 | 17,328,000 |
| Noninterest income | 108,000 | 236,000 | 349,000 | 482,000 |
| Noninterest expense | 3,023,000 | 5,781,000 | 8,533,000 | 11,402,000 |
| Provision for loan losses | 15,000 | 50,000 | 95,000 | 295,000 |
| Pretax income | 974,000 | 2,310,000 | 4,028,000 | 6,113,000 |
| Income tax | 275,000 | 654,000 | 1,137,000 | 1,734,000 |
| Net income | 699,000 | 1,656,000 | 2,891,000 | 4,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,286,000 | 97,244,000 | 98,480,000 | 99,969,000 |
| Total capital | — | 102,841,000 | — | — |
| Risk-weighted assets | — | 447,106,000 | — | — |