Call reports 2011
READING CO-OPERATIVE BANK — 2011
What READING CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 317,158,000 | 328,746,000 | 343,807,000 | 347,235,000 |
| Total loans | 208,656,000 | 201,935,000 | 199,482,000 | 190,546,000 |
| Allowance for loan losses | 1,306,000 | 1,291,000 | 1,325,000 | 1,353,000 |
| Securities available for sale | 78,219,000 | 89,545,000 | 108,131,000 | 112,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,045,000 | 264,126,000 | 275,048,000 | 277,532,000 |
| Interest-bearing deposits | 224,108,000 | 231,659,000 | 240,736,000 | 238,822,000 |
| Noninterest-bearing deposits | 29,937,000 | 32,467,000 | 34,312,000 | 38,710,000 |
| Equity capital | 27,681,000 | 28,622,000 | 31,217,000 | 32,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,723,000 | 7,656,000 | 11,405,000 | 15,172,000 |
| Interest expense | 886,000 | 1,701,000 | 2,505,000 | 3,273,000 |
| Net interest income | 2,837,000 | 5,955,000 | 8,900,000 | 11,899,000 |
| Noninterest income | 256,000 | 470,000 | 839,000 | 1,397,000 |
| Noninterest expense | 3,144,000 | 5,283,000 | 7,343,000 | 9,615,000 |
| Provision for loan losses | 30,000 | 1,043,000 | 1,073,000 | 1,103,000 |
| Pretax income | -4,000 | 176,000 | 1,584,000 | 3,356,000 |
| Income tax | -49,000 | -109,000 | 346,000 | 936,000 |
| Net income | 45,000 | 285,000 | 1,238,000 | 2,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,949,000 | 28,190,000 | 29,142,000 | 30,325,000 |
| Total capital | 29,254,000 | 29,481,000 | 30,467,000 | 31,678,000 |
| Risk-weighted assets | 188,732,000 | 189,255,000 | 185,860,000 | 186,759,000 |