Call reports 2001
READING CO-OPERATIVE BANK — 2001
What READING CO-OPERATIVE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 140,132,000 | 143,042,000 | 145,232,000 | 149,689,000 |
| Total loans | 91,408,000 | 93,104,000 | 97,315,000 | 96,688,000 |
| Allowance for loan losses | 667,000 | 666,000 | 680,000 | 688,000 |
| Securities available for sale | 25,312,000 | 29,613,000 | 32,549,000 | 32,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,073,000 | 120,358,000 | 118,638,000 | 125,591,000 |
| Interest-bearing deposits | 101,757,000 | 106,456,000 | 104,736,000 | 109,778,000 |
| Noninterest-bearing deposits | 13,316,000 | 13,902,000 | 13,902,000 | 15,813,000 |
| Equity capital | 13,891,000 | 14,300,000 | 14,572,000 | 14,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,288,000 | 4,552,000 | 6,834,000 | 9,166,000 |
| Interest expense | 952,000 | 1,918,000 | 2,831,000 | 3,694,000 |
| Net interest income | 1,336,000 | 2,634,000 | 4,003,000 | 5,472,000 |
| Noninterest income | 104,000 | 232,000 | 366,000 | 495,000 |
| Noninterest expense | 1,038,000 | 2,019,000 | 3,070,000 | 4,363,000 |
| Provision for loan losses | 9,000 | 18,000 | 32,000 | 48,000 |
| Pretax income | 400,000 | 836,000 | 1,369,000 | 1,732,000 |
| Income tax | 128,000 | 299,000 | 509,000 | 612,000 |
| Net income | 272,000 | 537,000 | 860,000 | 1,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,914,000 | 14,229,000 | 14,233,000 | 14,787,000 |
| Total capital | 14,581,000 | 14,895,000 | 14,913,000 | 15,475,000 |
| Risk-weighted assets | 85,716,000 | 91,018,000 | 92,917,000 | 94,467,000 |
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