Call reports 2007
READING CO-OPERATIVE BANK — 2007
What READING CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 243,369,000 | 237,140,000 | 239,283,000 | 241,109,000 |
| Total loans | 160,877,000 | 158,159,000 | 155,797,000 | 157,510,000 |
| Allowance for loan losses | 984,000 | 984,000 | 729,000 | 738,000 |
| Securities available for sale | 54,996,000 | 53,782,000 | 60,470,000 | 60,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,349,000 | 172,623,000 | 169,598,000 | 169,367,000 |
| Interest-bearing deposits | 150,990,000 | 147,846,000 | 146,439,000 | 145,468,000 |
| Noninterest-bearing deposits | 22,359,000 | 24,777,000 | 23,159,000 | 23,899,000 |
| Equity capital | 21,226,000 | 20,169,000 | 21,505,000 | 22,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,200,000 | 6,438,000 | 9,608,000 | 12,878,000 |
| Interest expense | 1,462,000 | 2,917,000 | 4,401,000 | 5,883,000 |
| Net interest income | 1,738,000 | 3,521,000 | 5,207,000 | 6,995,000 |
| Noninterest income | 207,000 | 447,000 | 1,500,000 | 1,733,000 |
| Noninterest expense | 1,546,000 | 3,091,000 | 4,591,000 | 6,073,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 521,000 | 1,025,000 | 2,264,000 | 2,803,000 |
| Income tax | 155,000 | 262,000 | 608,000 | 764,000 |
| Net income | 366,000 | 763,000 | 1,656,000 | 2,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,273,000 | 20,657,000 | 21,549,000 | 21,853,000 |
| Total capital | 22,349,000 | 21,746,000 | 22,385,000 | 22,648,000 |
| Risk-weighted assets | 146,070,000 | 141,013,000 | 138,722,000 | 138,607,000 |
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