Call reports 2006
SAVERS CO-OPERATIVE BANK — 2006
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 328,021,000 | 330,325,000 | 329,383,000 | 319,155,000 |
| Total loans | 232,445,000 | 232,748,000 | 234,325,000 | 234,430,000 |
| Allowance for loan losses | 1,454,000 | 1,481,000 | 1,474,000 | 1,488,000 |
| Securities available for sale | 17,259,000 | 20,468,000 | 18,348,000 | 16,409,000 |
| Securities held to maturity | 33,313,000 | 33,409,000 | 33,967,000 | 33,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,972,000 | 255,348,000 | 258,855,000 | 253,664,000 |
| Interest-bearing deposits | 234,233,000 | 235,981,000 | 238,359,000 | 235,682,000 |
| Noninterest-bearing deposits | 18,739,000 | 19,367,000 | 20,496,000 | 17,982,000 |
| Equity capital | 33,822,000 | 34,295,000 | 35,346,000 | 35,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,944,000 | 8,222,000 | 12,550,000 | 16,768,000 |
| Interest expense | 1,681,000 | 3,589,000 | 5,585,000 | 7,647,000 |
| Net interest income | 2,263,000 | 4,633,000 | 6,965,000 | 9,121,000 |
| Noninterest income | 318,000 | 676,000 | 1,797,000 | 2,317,000 |
| Noninterest expense | 2,162,000 | 4,266,000 | 6,353,000 | 8,519,000 |
| Provision for loan losses | 58,000 | 78,000 | 108,000 | 147,000 |
| Pretax income | 371,000 | 978,000 | 2,314,000 | 2,734,000 |
| Income tax | 34,000 | 149,000 | 572,000 | 649,000 |
| Net income | 337,000 | 829,000 | 1,742,000 | 2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,669,000 | 34,165,000 | 35,077,000 | 35,420,000 |
| Total capital | 35,352,000 | 35,857,000 | 36,793,000 | 37,195,000 |
| Risk-weighted assets | 188,948,000 | 193,450,000 | 192,295,000 | 190,456,000 |