Call reports 2009
READING CO-OPERATIVE BANK — 2009
What READING CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 277,397,000 | 287,955,000 | 300,130,000 | 307,427,000 |
| Total loans | 194,344,000 | 199,753,000 | 203,387,000 | 205,928,000 |
| Allowance for loan losses | 1,011,000 | 980,000 | 1,031,000 | 1,294,000 |
| Securities available for sale | 58,914,000 | 56,519,000 | 56,284,000 | 72,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,477,000 | 208,598,000 | 219,750,000 | 231,739,000 |
| Interest-bearing deposits | 173,440,000 | 184,349,000 | 196,245,000 | 204,526,000 |
| Noninterest-bearing deposits | 23,037,000 | 24,249,000 | 23,505,000 | 27,213,000 |
| Equity capital | 24,612,000 | 24,477,000 | 25,578,000 | 25,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,459,000 | 6,982,000 | 10,549,000 | 14,185,000 |
| Interest expense | 1,245,000 | 2,490,000 | 3,750,000 | 4,940,000 |
| Net interest income | 2,214,000 | 4,492,000 | 6,799,000 | 9,245,000 |
| Noninterest income | 240,000 | 515,000 | 768,000 | 1,022,000 |
| Noninterest expense | 1,770,000 | 3,980,000 | 5,860,000 | 7,799,000 |
| Provision for loan losses | 100,000 | 69,000 | 119,000 | 379,000 |
| Pretax income | 584,000 | 900,000 | 2,234,000 | 2,776,000 |
| Income tax | 169,000 | 240,000 | 648,000 | 785,000 |
| Net income | 415,000 | 660,000 | 1,586,000 | 1,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,166,000 | 23,808,000 | 24,857,000 | 25,297,000 |
| Total capital | 24,177,000 | 24,788,000 | 25,888,000 | 26,591,000 |
| Risk-weighted assets | 158,830,000 | 164,157,000 | 164,106,000 | 174,032,000 |