Call reports 2010
READING CO-OPERATIVE BANK — 2010
What READING CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 319,331,000 | 328,506,000 | 327,789,000 | 330,856,000 |
| Total loans | 212,235,000 | 209,892,000 | 220,615,000 | 212,147,000 |
| Allowance for loan losses | 1,357,000 | 1,247,000 | 1,322,000 | 1,272,000 |
| Securities available for sale | 65,026,000 | 69,009,000 | 70,447,000 | 80,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,912,000 | 252,428,000 | 250,577,000 | 256,837,000 |
| Interest-bearing deposits | 215,795,000 | 222,856,000 | 221,237,000 | 226,071,000 |
| Noninterest-bearing deposits | 27,117,000 | 29,572,000 | 29,340,000 | 30,766,000 |
| Equity capital | 26,321,000 | 27,672,000 | 28,698,000 | 27,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,627,000 | 7,352,000 | 11,229,000 | 14,907,000 |
| Interest expense | 1,125,000 | 2,235,000 | 3,298,000 | 4,309,000 |
| Net interest income | 2,502,000 | 5,117,000 | 7,931,000 | 10,598,000 |
| Noninterest income | 246,000 | 488,000 | 737,000 | 1,036,000 |
| Noninterest expense | 1,883,000 | 3,662,000 | 5,613,000 | 7,879,000 |
| Provision for loan losses | 65,000 | 265,000 | 340,000 | 340,000 |
| Pretax income | 811,000 | 1,689,000 | 2,726,000 | 3,426,000 |
| Income tax | 233,000 | 453,000 | 773,000 | 968,000 |
| Net income | 578,000 | 1,236,000 | 1,953,000 | 2,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,990,000 | 26,548,000 | 27,388,000 | 27,905,000 |
| Total capital | 27,347,000 | 27,795,000 | 28,710,000 | 29,177,000 |
| Risk-weighted assets | 177,970,000 | 179,175,000 | 194,419,000 | 191,923,000 |