Call reports 2013
READING CO-OPERATIVE BANK — 2013
What READING CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 357,174,000 | 357,983,000 | 383,476,000 | 417,584,000 |
| Total loans | 255,238,000 | 261,831,000 | 289,461,000 | 320,312,000 |
| Allowance for loan losses | 1,830,000 | 2,177,000 | 2,647,000 | 1,547,000 |
| Securities available for sale | 74,945,000 | 66,824,000 | 65,364,000 | 68,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,287,000 | 284,405,000 | 288,877,000 | 299,234,000 |
| Interest-bearing deposits | 261,105,000 | 236,289,000 | 240,487,000 | 247,644,000 |
| Noninterest-bearing deposits | 19,182,000 | 48,116,000 | 48,390,000 | 51,590,000 |
| Equity capital | 34,850,000 | 33,228,000 | 33,221,000 | 33,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,548,000 | 6,933,000 | 10,428,000 | 14,217,000 |
| Interest expense | 550,000 | 1,092,000 | 1,532,000 | 1,958,000 |
| Net interest income | 2,998,000 | 5,841,000 | 8,896,000 | 12,259,000 |
| Noninterest income | 319,000 | 693,000 | 1,129,000 | 3,289,000 |
| Noninterest expense | 2,713,000 | 5,251,000 | 7,883,000 | 11,232,000 |
| Provision for loan losses | 0 | 0 | 498,000 | 437,000 |
| Pretax income | 604,000 | 1,290,000 | 1,651,000 | 3,886,000 |
| Income tax | 153,000 | 340,000 | 380,000 | 1,211,000 |
| Net income | 451,000 | 950,000 | 1,271,000 | 2,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,677,000 | 34,191,000 | 34,335,000 | 35,739,000 |
| Total capital | 35,507,000 | 36,367,000 | 36,982,000 | 37,286,000 |
| Risk-weighted assets | 234,368,000 | 235,937,000 | 253,192,000 | 271,615,000 |