Call reports 2005
READING CO-OPERATIVE BANK — 2005
What READING CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 217,325,000 | 223,811,000 | 222,658,000 | 227,060,000 |
| Total loans | 152,263,000 | 156,400,000 | 158,323,000 | 157,389,000 |
| Allowance for loan losses | 852,000 | 875,000 | 909,000 | 972,000 |
| Securities available for sale | 45,979,000 | 46,034,000 | 46,093,000 | 47,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,362,000 | 182,717,000 | 173,374,000 | 177,232,000 |
| Interest-bearing deposits | 157,474,000 | 159,734,000 | 153,108,000 | 153,165,000 |
| Noninterest-bearing deposits | 18,888,000 | 22,983,000 | 20,266,000 | 24,067,000 |
| Equity capital | 19,036,000 | 19,702,000 | 19,877,000 | 20,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,650,000 | 5,400,000 | 8,163,000 | 11,007,000 |
| Interest expense | 691,000 | 1,450,000 | 2,282,000 | 3,192,000 |
| Net interest income | 1,959,000 | 3,950,000 | 5,881,000 | 7,815,000 |
| Noninterest income | 168,000 | 347,000 | 518,000 | 704,000 |
| Noninterest expense | 1,449,000 | 2,976,000 | 4,457,000 | 5,944,000 |
| Provision for loan losses | 15,000 | 30,000 | 65,000 | 125,000 |
| Pretax income | 663,000 | 1,291,000 | 1,902,000 | 2,474,000 |
| Income tax | 234,000 | 451,000 | 655,000 | 845,000 |
| Net income | 429,000 | 840,000 | 1,247,000 | 1,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,199,000 | 19,610,000 | 20,017,000 | 20,400,000 |
| Total capital | 20,179,000 | 20,638,000 | 21,078,000 | 21,530,000 |
| Risk-weighted assets | 137,031,000 | 141,327,000 | 145,207,000 | 146,953,000 |
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