Call reports 2004
READING CO-OPERATIVE BANK — 2004
What READING CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 197,540,000 | 213,621,000 | 213,879,000 | 216,459,000 |
| Total loans | 131,681,000 | 136,997,000 | 145,081,000 | 150,172,000 |
| Allowance for loan losses | 816,000 | 813,000 | 825,000 | 834,000 |
| Securities available for sale | 47,969,000 | 55,383,000 | 51,099,000 | 48,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,126,000 | 183,745,000 | 178,974,000 | 177,266,000 |
| Interest-bearing deposits | 148,595,000 | 162,653,000 | 160,178,000 | 157,120,000 |
| Noninterest-bearing deposits | 18,531,000 | 21,092,000 | 18,796,000 | 20,146,000 |
| Equity capital | 18,141,000 | 17,767,000 | 18,691,000 | 19,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,267,000 | 4,618,000 | 7,124,000 | 9,744,000 |
| Interest expense | 574,000 | 1,197,000 | 1,844,000 | 2,506,000 |
| Net interest income | 1,693,000 | 3,421,000 | 5,280,000 | 7,238,000 |
| Noninterest income | 133,000 | 273,000 | 413,000 | 568,000 |
| Noninterest expense | 1,352,000 | 2,654,000 | 3,914,000 | 5,205,000 |
| Provision for loan losses | 15,000 | 20,000 | 30,000 | 45,000 |
| Pretax income | 502,000 | 1,051,000 | 1,781,000 | 2,588,000 |
| Income tax | 158,000 | 343,000 | 602,000 | 900,000 |
| Net income | 344,000 | 708,000 | 1,179,000 | 1,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,426,000 | 17,790,000 | 18,261,000 | 18,770,000 |
| Total capital | 18,317,000 | 18,682,000 | 19,171,000 | 19,775,000 |
| Risk-weighted assets | 123,034,000 | 133,063,000 | 131,290,000 | 135,379,000 |
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