Call reports 2015
READING CO-OPERATIVE BANK — 2015
What READING CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 476,993,000 | 486,253,000 | 494,096,000 | 489,814,000 |
| Total loans | 377,439,000 | 388,754,000 | 395,707,000 | 389,224,000 |
| Allowance for loan losses | 1,972,000 | 2,053,000 | 2,221,000 | 2,192,000 |
| Securities available for sale | 65,544,000 | 62,439,000 | 61,662,000 | 63,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,361,000 | 337,588,000 | 346,635,000 | 357,093,000 |
| Interest-bearing deposits | 269,649,000 | 273,934,000 | 282,981,000 | 285,356,000 |
| Noninterest-bearing deposits | 60,712,000 | 63,654,000 | 63,654,000 | 71,737,000 |
| Equity capital | 39,189,000 | 39,117,000 | 40,363,000 | 41,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,253,000 | 8,599,000 | 13,083,000 | 17,638,000 |
| Interest expense | 437,000 | 886,000 | 1,360,000 | 1,842,000 |
| Net interest income | 3,816,000 | 7,713,000 | 11,723,000 | 15,796,000 |
| Noninterest income | 456,000 | 960,000 | 1,461,000 | 2,070,000 |
| Noninterest expense | 3,311,000 | 6,576,000 | 10,106,000 | 13,463,000 |
| Provision for loan losses | 150,000 | 237,000 | 237,000 | 237,000 |
| Pretax income | 816,000 | 1,865,000 | 2,846,000 | 4,171,000 |
| Income tax | 228,000 | 550,000 | 880,000 | 1,296,000 |
| Net income | 588,000 | 1,315,000 | 1,966,000 | 2,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,459,000 | 39,186,000 | 39,837,000 | 40,747,000 |
| Total capital | 40,431,000 | 41,239,000 | 42,058,000 | 42,939,000 |
| Risk-weighted assets | 302,048,000 | 275,450,000 | 284,584,000 | 284,199,000 |