Call reports 2004
SAVERS CO-OPERATIVE BANK — 2004
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 294,390,000 | 302,747,000 | 300,865,000 | 304,920,000 |
| Total loans | 165,362,000 | 185,910,000 | 192,241,000 | 202,823,000 |
| Allowance for loan losses | 1,054,000 | 1,175,000 | 1,212,000 | 1,277,000 |
| Securities available for sale | 63,117,000 | 48,717,000 | 41,467,000 | 33,998,000 |
| Securities held to maturity | 30,942,000 | 31,088,000 | 30,820,000 | 30,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,354,000 | 236,691,000 | 239,903,000 | 239,035,000 |
| Interest-bearing deposits | 219,380,000 | 221,151,000 | 225,465,000 | 223,733,000 |
| Noninterest-bearing deposits | 12,974,000 | 15,540,000 | 14,438,000 | 15,302,000 |
| Equity capital | 31,523,000 | 31,101,000 | 31,679,000 | 32,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,364,000 | 6,665,000 | 10,045,000 | 13,446,000 |
| Interest expense | 1,203,000 | 2,342,000 | 3,492,000 | 4,692,000 |
| Net interest income | 2,161,000 | 4,323,000 | 6,553,000 | 8,754,000 |
| Noninterest income | 315,000 | 733,000 | 1,064,000 | 1,470,000 |
| Noninterest expense | 2,241,000 | 4,491,000 | 6,630,000 | 8,762,000 |
| Provision for loan losses | 0 | 95,000 | 145,000 | 205,000 |
| Pretax income | 235,000 | 493,000 | 879,000 | 1,295,000 |
| Income tax | 22,000 | 49,000 | 107,000 | 80,000 |
| Net income | 213,000 | 444,000 | 772,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,828,000 | 31,061,000 | 31,391,000 | 31,835,000 |
| Total capital | 32,113,000 | 32,466,000 | 32,834,000 | 33,403,000 |
| Risk-weighted assets | 154,615,000 | 161,076,000 | 162,522,000 | 170,464,000 |