Call reports 2012
READING CO-OPERATIVE BANK — 2012
What READING CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 333,218,000 | 344,983,000 | 342,071,000 | 357,661,000 |
| Total loans | 200,448,000 | 206,993,000 | 221,452,000 | 248,577,000 |
| Allowance for loan losses | 1,383,000 | 1,495,000 | 1,568,000 | 1,830,000 |
| Securities available for sale | 106,783,000 | 92,700,000 | 92,772,000 | 79,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,076,000 | 275,141,000 | 272,301,000 | 282,027,000 |
| Interest-bearing deposits | 223,461,000 | 234,773,000 | 248,858,000 | 260,710,000 |
| Noninterest-bearing deposits | 39,615,000 | 40,368,000 | 23,443,000 | 21,317,000 |
| Equity capital | 32,287,000 | 33,812,000 | 35,035,000 | 34,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,582,000 | 7,109,000 | 10,678,000 | 14,247,000 |
| Interest expense | 760,000 | 1,398,000 | 2,014,000 | 2,667,000 |
| Net interest income | 2,822,000 | 5,711,000 | 8,664,000 | 11,580,000 |
| Noninterest income | 574,000 | 1,193,000 | 1,634,000 | 2,489,000 |
| Noninterest expense | 2,415,000 | 4,986,000 | 7,505,000 | 10,620,000 |
| Provision for loan losses | 30,000 | 195,000 | 295,000 | 566,000 |
| Pretax income | 1,322,000 | 2,622,000 | 3,443,000 | 4,251,000 |
| Income tax | 437,000 | 844,000 | 1,098,000 | 1,307,000 |
| Net income | 885,000 | 1,778,000 | 2,345,000 | 2,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,211,000 | 32,061,000 | 32,627,000 | 33,226,000 |
| Total capital | 32,594,000 | 33,556,000 | 34,195,000 | 35,056,000 |
| Risk-weighted assets | 193,980,000 | 208,719,000 | 216,461,000 | 233,511,000 |