Call reports 2009
SAVERS CO-OPERATIVE BANK — 2009
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 365,228,000 | 363,761,000 | 369,711,000 | 379,283,000 |
| Total loans | 281,413,000 | 274,424,000 | 273,407,000 | 277,450,000 |
| Allowance for loan losses | 1,951,000 | 1,920,000 | 1,950,000 | 2,108,000 |
| Securities available for sale | 6,763,000 | 7,930,000 | 16,658,000 | 26,279,000 |
| Securities held to maturity | 34,388,000 | 34,497,000 | 35,095,000 | 33,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,524,000 | 268,639,000 | 269,364,000 | 284,175,000 |
| Interest-bearing deposits | 247,917,000 | 244,507,000 | 245,612,000 | 259,586,000 |
| Noninterest-bearing deposits | 22,607,000 | 24,132,000 | 23,752,000 | 24,589,000 |
| Equity capital | 38,308,000 | 38,560,000 | 39,219,000 | 39,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,487,000 | 8,842,000 | 13,138,000 | 17,472,000 |
| Interest expense | 1,865,000 | 3,552,000 | 5,201,000 | 6,790,000 |
| Net interest income | 2,622,000 | 5,290,000 | 7,937,000 | 10,682,000 |
| Noninterest income | 547,000 | 1,239,000 | 2,014,000 | 2,715,000 |
| Noninterest expense | 2,547,000 | 5,245,000 | 7,813,000 | 10,480,000 |
| Provision for loan losses | 55,000 | 150,000 | 235,000 | 410,000 |
| Pretax income | 579,000 | 1,151,000 | 1,996,000 | 2,603,000 |
| Income tax | 114,000 | 226,000 | 473,000 | 534,000 |
| Net income | 465,000 | 925,000 | 1,523,000 | 2,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,212,000 | 38,662,000 | 39,254,000 | 39,800,000 |
| Total capital | 40,183,000 | 40,609,000 | 41,258,000 | 41,956,000 |
| Risk-weighted assets | 232,755,000 | 228,507,000 | 228,302,000 | 230,425,000 |