Call reports 2001
SAVERS CO-OPERATIVE BANK — 2001
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 270,876,000 | 275,500,000 | 279,571,000 | 285,191,000 |
| Total loans | 194,678,000 | 198,505,000 | 204,029,000 | 204,568,000 |
| Allowance for loan losses | 1,227,000 | 1,248,000 | 1,281,000 | 1,291,000 |
| Securities available for sale | 21,660,000 | 23,244,000 | 26,260,000 | 26,882,000 |
| Securities held to maturity | 31,136,000 | 30,759,000 | 31,720,000 | 31,395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,059,000 | 218,503,000 | 222,496,000 | 227,555,000 |
| Interest-bearing deposits | 204,885,000 | 209,798,000 | 213,648,000 | 219,045,000 |
| Noninterest-bearing deposits | 9,174,000 | 8,705,000 | 8,848,000 | 8,510,000 |
| Equity capital | 25,263,000 | 25,783,000 | 26,177,000 | 26,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,574,000 | 9,222,000 | 13,778,000 | 18,273,000 |
| Interest expense | 2,379,000 | 4,822,000 | 7,240,000 | 9,548,000 |
| Net interest income | 2,195,000 | 4,400,000 | 6,538,000 | 8,725,000 |
| Noninterest income | 153,000 | 345,000 | 562,000 | 826,000 |
| Noninterest expense | 1,677,000 | 3,394,000 | 5,037,000 | 6,709,000 |
| Provision for loan losses | 5,000 | 30,000 | 65,000 | 65,000 |
| Pretax income | 666,000 | 1,321,000 | 1,998,000 | 2,775,000 |
| Income tax | 253,000 | 503,000 | 621,000 | 725,000 |
| Net income | 413,000 | 818,000 | 1,377,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,843,000 | 25,248,000 | 25,807,000 | 26,480,000 |
| Total capital | 26,348,000 | 26,840,000 | 27,319,000 | 28,089,000 |
| Risk-weighted assets | 141,910,000 | 148,491,000 | 152,108,000 | 159,658,000 |