Call reports 2025
READING CO-OPERATIVE BANK — 2025
What READING CO-OPERATIVE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 922,342,000 | 1,211,985,000 | 1,198,988,000 | 1,242,761,000 |
| Total loans | 729,124,000 | 968,012,000 | 954,943,000 | 940,331,000 |
| Allowance for loan losses | 4,789,000 | 6,056,000 | 5,846,000 | 5,327,000 |
| Securities available for sale | 138,325,000 | 134,585,000 | 131,967,000 | 139,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 799,292,000 | 1,058,148,000 | 1,055,022,000 | 1,114,066,000 |
| Interest-bearing deposits | 645,203,000 | 864,452,000 | 864,864,000 | 925,352,000 |
| Noninterest-bearing deposits | 154,089,000 | 193,696,000 | 190,158,000 | 188,714,000 |
| Equity capital | 55,573,000 | 67,577,000 | 71,819,000 | 74,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,118,000 | 24,463,000 | 40,828,000 | 56,159,000 |
| Interest expense | 5,168,000 | 11,240,000 | 17,581,000 | 23,776,000 |
| Net interest income | 5,950,000 | 13,223,000 | 23,247,000 | 32,383,000 |
| Noninterest income | 711,000 | 2,017,000 | 2,637,000 | 3,292,000 |
| Noninterest expense | 5,829,000 | 12,778,000 | 20,376,000 | 28,634,000 |
| Provision for loan losses | 154,000 | 1,006,000 | 714,000 | 460,000 |
| Pretax income | 667,000 | 1,520,000 | 4,870,000 | 6,600,000 |
| Income tax | 126,000 | -32,000 | 502,000 | 842,000 |
| Net income | 541,000 | 1,552,000 | 4,368,000 | 5,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,261,000 | 76,926,000 | 80,000,000 | 81,742,000 |
| Total capital | 76,317,000 | 83,174,000 | 86,025,000 | 87,304,000 |
| Risk-weighted assets | 617,305,000 | 783,441,000 | 766,357,000 | 794,107,000 |