Call reports 2003
READING CO-OPERATIVE BANK — 2003
What READING CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 182,844,000 | 195,910,000 | 198,356,000 | 192,113,000 |
| Total loans | 114,354,000 | 119,632,000 | 126,147,000 | 125,732,000 |
| Allowance for loan losses | 743,000 | 776,000 | 792,000 | 808,000 |
| Securities available for sale | 48,732,000 | 53,802,000 | 52,082,000 | 45,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,135,000 | 165,915,000 | 169,013,000 | 162,398,000 |
| Interest-bearing deposits | 135,452,000 | 146,110,000 | 149,320,000 | 143,008,000 |
| Noninterest-bearing deposits | 17,683,000 | 19,805,000 | 19,693,000 | 19,390,000 |
| Equity capital | 16,572,000 | 17,039,000 | 17,294,000 | 17,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,278,000 | 4,624,000 | 6,963,000 | 9,260,000 |
| Interest expense | 695,000 | 1,395,000 | 2,008,000 | 2,599,000 |
| Net interest income | 1,583,000 | 3,229,000 | 4,955,000 | 6,661,000 |
| Noninterest income | 170,000 | 345,000 | 462,000 | 626,000 |
| Noninterest expense | 1,249,000 | 2,786,000 | 4,073,000 | 5,467,000 |
| Provision for loan losses | 15,000 | 40,000 | 55,000 | 70,000 |
| Pretax income | 473,000 | 722,000 | 1,263,000 | 1,750,000 |
| Income tax | 150,000 | 269,000 | 431,000 | 546,000 |
| Net income | 323,000 | 453,000 | 832,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,777,000 | 16,184,000 | 16,682,000 | 17,082,000 |
| Total capital | 16,520,000 | 16,960,000 | 17,474,000 | 17,969,000 |
| Risk-weighted assets | 113,743,000 | 122,187,000 | 128,456,000 | 120,170,000 |
Machine access — free, no API key
Every figure shown here about READING CO-OPERATIVE BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.