Call reports 2007
SAVERS CO-OPERATIVE BANK — 2007
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 323,208,000 | 322,852,000 | 324,097,000 | 333,498,000 |
| Total loans | 234,742,000 | 236,346,000 | 244,268,000 | 250,752,000 |
| Allowance for loan losses | 1,368,000 | 1,378,000 | 1,361,000 | 1,426,000 |
| Securities available for sale | 16,206,000 | 13,956,000 | 12,572,000 | 10,900,000 |
| Securities held to maturity | 33,483,000 | 33,435,000 | 33,579,000 | 34,052,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,327,000 | 258,719,000 | 254,530,000 | 253,245,000 |
| Interest-bearing deposits | 238,717,000 | 237,172,000 | 232,913,000 | 231,933,000 |
| Noninterest-bearing deposits | 19,610,000 | 21,547,000 | 21,617,000 | 21,312,000 |
| Equity capital | 35,851,000 | 35,670,000 | 36,221,000 | 37,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,217,000 | 8,507,000 | 12,852,000 | 17,329,000 |
| Interest expense | 2,121,000 | 4,246,000 | 6,363,000 | 8,546,000 |
| Net interest income | 2,096,000 | 4,261,000 | 6,489,000 | 8,783,000 |
| Noninterest income | 448,000 | 1,124,000 | 1,703,000 | 2,364,000 |
| Noninterest expense | 2,411,000 | 5,365,000 | 7,659,000 | 9,805,000 |
| Provision for loan losses | 25,000 | 40,000 | 45,000 | 135,000 |
| Pretax income | 108,000 | -20,000 | 488,000 | 1,227,000 |
| Income tax | 34,000 | 70,000 | 105,000 | -56,000 |
| Net income | 74,000 | -90,000 | 383,000 | 1,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,494,000 | 35,330,000 | 35,804,000 | 36,712,000 |
| Total capital | 37,124,000 | 36,988,000 | 37,459,000 | 38,363,000 |
| Risk-weighted assets | 209,920,000 | 210,446,000 | 211,733,000 | 217,345,000 |