Call reports 2005
SAVERS CO-OPERATIVE BANK — 2005
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 311,785,000 | 310,705,000 | 317,546,000 | 317,887,000 |
| Total loans | 212,111,000 | 222,538,000 | 223,377,000 | 226,078,000 |
| Allowance for loan losses | 1,333,000 | 1,401,000 | 1,405,000 | 1,423,000 |
| Securities available for sale | 29,718,000 | 23,128,000 | 20,166,000 | 18,721,000 |
| Securities held to maturity | 30,599,000 | 31,508,000 | 31,379,000 | 32,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,372,000 | 240,116,000 | 247,079,000 | 242,480,000 |
| Interest-bearing deposits | 225,498,000 | 223,819,000 | 228,859,000 | 226,771,000 |
| Noninterest-bearing deposits | 15,874,000 | 16,297,000 | 18,220,000 | 15,709,000 |
| Equity capital | 32,252,000 | 32,540,000 | 32,987,000 | 33,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,461,000 | 7,102,000 | 10,876,000 | 14,698,000 |
| Interest expense | 1,255,000 | 2,624,000 | 4,088,000 | 5,629,000 |
| Net interest income | 2,206,000 | 4,478,000 | 6,788,000 | 9,069,000 |
| Noninterest income | 279,000 | 654,000 | 1,372,000 | 1,651,000 |
| Noninterest expense | 2,163,000 | 4,485,000 | 6,785,000 | 8,899,000 |
| Provision for loan losses | 55,000 | 125,000 | 140,000 | 170,000 |
| Pretax income | 275,000 | 548,000 | 1,279,000 | 1,695,000 |
| Income tax | 19,000 | 49,000 | 261,000 | 208,000 |
| Net income | 256,000 | 499,000 | 1,018,000 | 1,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,093,000 | 32,338,000 | 32,860,000 | 33,331,000 |
| Total capital | 33,673,000 | 33,983,000 | 34,484,000 | 34,997,000 |
| Risk-weighted assets | 175,027,000 | 180,435,000 | 180,416,000 | 182,590,000 |