Call reports 2018
READING CO-OPERATIVE BANK — 2018
What READING CO-OPERATIVE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 550,582,000 | 555,281,000 | 562,134,000 | 570,447,000 |
| Total loans | 446,888,000 | 448,436,000 | 456,169,000 | 462,076,000 |
| Allowance for loan losses | 2,625,000 | 2,626,000 | 2,979,000 | 3,008,000 |
| Securities available for sale | 67,147,000 | 72,006,000 | 72,191,000 | 74,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,622,000 | 416,712,000 | 443,649,000 | 442,438,000 |
| Interest-bearing deposits | 325,575,000 | 324,676,000 | 350,495,000 | 347,780,000 |
| Noninterest-bearing deposits | 90,047,000 | 92,036,000 | 93,154,000 | 94,658,000 |
| Equity capital | 46,503,000 | 47,076,000 | 47,293,000 | 48,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,419,000 | 10,962,000 | 16,731,000 | 22,725,000 |
| Interest expense | 776,000 | 1,737,000 | 2,878,000 | 4,233,000 |
| Net interest income | 4,643,000 | 9,225,000 | 13,853,000 | 18,492,000 |
| Noninterest income | 524,000 | 1,021,000 | 1,475,000 | 2,005,000 |
| Noninterest expense | 3,521,000 | 7,368,000 | 10,919,000 | 14,640,000 |
| Provision for loan losses | 50,000 | 50,000 | 270,000 | 320,000 |
| Pretax income | 1,596,000 | 2,828,000 | 4,139,000 | 5,537,000 |
| Income tax | 475,000 | 761,000 | 1,067,000 | 1,386,000 |
| Net income | 1,121,000 | 2,067,000 | 3,072,000 | 4,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,967,000 | 47,913,000 | 48,917,000 | 49,996,000 |
| Total capital | 49,592,000 | 50,539,000 | 51,896,000 | 53,004,000 |
| Risk-weighted assets | 352,092,000 | 357,581,000 | 370,300,000 | 364,144,000 |