Call reports 2002
READING CO-OPERATIVE BANK — 2002
What READING CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 159,063,000 | 167,061,000 | 174,386,000 | 172,439,000 |
| Total loans | 101,301,000 | 99,726,000 | 100,670,000 | 109,623,000 |
| Allowance for loan losses | 698,000 | 709,000 | 724,000 | 728,000 |
| Securities available for sale | 36,949,000 | 40,761,000 | 50,259,000 | 45,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,168,000 | 139,799,000 | 146,649,000 | 144,113,000 |
| Interest-bearing deposits | 117,569,000 | 123,519,000 | 129,655,000 | 127,534,000 |
| Noninterest-bearing deposits | 14,599,000 | 16,280,000 | 16,994,000 | 16,579,000 |
| Equity capital | 14,815,000 | 15,331,000 | 15,918,000 | 16,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,247,000 | 4,563,000 | 6,881,000 | 9,255,000 |
| Interest expense | 776,000 | 1,548,000 | 2,333,000 | 3,072,000 |
| Net interest income | 1,471,000 | 3,015,000 | 4,548,000 | 6,183,000 |
| Noninterest income | 128,000 | 258,000 | 398,000 | 653,000 |
| Noninterest expense | 1,250,000 | 2,373,000 | 3,576,000 | 4,972,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 358,000 | 672,000 | 1,130,000 | 1,675,000 |
| Income tax | 116,000 | 203,000 | 383,000 | 576,000 |
| Net income | 242,000 | 469,000 | 747,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,054,000 | 15,240,000 | 15,013,000 | 15,562,000 |
| Total capital | 15,752,000 | 15,949,000 | 15,737,000 | 16,290,000 |
| Risk-weighted assets | 97,507,000 | 99,593,000 | 106,687,000 | 104,868,000 |