Call reports 2010
SAVERS CO-OPERATIVE BANK — 2010
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 393,593,000 | 394,347,000 | 402,286,000 | 400,826,000 |
| Total loans | 279,978,000 | 281,737,000 | 279,602,000 | 273,189,000 |
| Allowance for loan losses | 2,124,000 | 2,198,000 | 2,185,000 | 2,458,000 |
| Securities available for sale | 31,128,000 | 31,812,000 | 34,959,000 | 42,197,000 |
| Securities held to maturity | 34,694,000 | 33,533,000 | 34,880,000 | 34,779,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,068,000 | 295,042,000 | 298,041,000 | 297,186,000 |
| Interest-bearing deposits | 266,727,000 | 268,988,000 | 271,982,000 | 270,060,000 |
| Noninterest-bearing deposits | 27,341,000 | 26,054,000 | 26,059,000 | 27,126,000 |
| Equity capital | 40,172,000 | 40,809,000 | 41,586,000 | 41,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,343,000 | 8,734,000 | 13,127,000 | 17,390,000 |
| Interest expense | 1,518,000 | 2,964,000 | 4,374,000 | 5,719,000 |
| Net interest income | 2,825,000 | 5,770,000 | 8,753,000 | 11,671,000 |
| Noninterest income | 492,000 | 1,123,000 | 1,931,000 | 2,794,000 |
| Noninterest expense | 2,660,000 | 5,397,000 | 8,062,000 | 10,870,000 |
| Provision for loan losses | 100,000 | 230,000 | 345,000 | 605,000 |
| Pretax income | 560,000 | 1,283,000 | 2,294,000 | 3,001,000 |
| Income tax | 111,000 | 295,000 | 595,000 | 765,000 |
| Net income | 449,000 | 988,000 | 1,699,000 | 2,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,310,000 | 40,849,000 | 41,562,000 | 42,089,000 |
| Total capital | 42,499,000 | 43,090,000 | 43,801,000 | 44,611,000 |
| Risk-weighted assets | 229,795,000 | 231,293,000 | 237,035,000 | 234,907,000 |