Call reports 2019
READING CO-OPERATIVE BANK — 2019
What READING CO-OPERATIVE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 578,627,000 | 579,672,000 | 591,492,000 | 597,505,000 |
| Total loans | 457,743,000 | 458,728,000 | 472,101,000 | 463,167,000 |
| Allowance for loan losses | 3,028,000 | 2,693,000 | 2,743,000 | 2,793,000 |
| Securities available for sale | 80,285,000 | 83,867,000 | 82,827,000 | 95,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 479,790,000 | 475,128,000 | 477,958,000 | 478,025,000 |
| Interest-bearing deposits | 380,415,000 | 374,728,000 | 380,242,000 | 384,152,000 |
| Noninterest-bearing deposits | 99,375,000 | 100,400,000 | 97,716,000 | 93,873,000 |
| Equity capital | 50,849,000 | 52,401,000 | 53,842,000 | 54,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,039,000 | 12,149,000 | 18,132,000 | 24,141,000 |
| Interest expense | 1,481,000 | 2,993,000 | 4,506,000 | 5,825,000 |
| Net interest income | 4,558,000 | 9,156,000 | 13,626,000 | 18,316,000 |
| Noninterest income | 439,000 | 880,000 | 1,285,000 | 1,700,000 |
| Noninterest expense | 3,745,000 | 7,508,000 | 11,007,000 | 14,744,000 |
| Provision for loan losses | 20,000 | 85,000 | 135,000 | 918,000 |
| Pretax income | 1,232,000 | 2,443,000 | 3,769,000 | 4,354,000 |
| Income tax | 216,000 | 480,000 | 776,000 | 807,000 |
| Net income | 1,016,000 | 1,963,000 | 2,993,000 | 3,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,012,000 | 51,959,000 | 52,989,000 | 53,543,000 |
| Total capital | 54,040,000 | 54,652,000 | 55,732,000 | 56,336,000 |
| Risk-weighted assets | 360,373,000 | 358,644,000 | 363,751,000 | 371,566,000 |