Call reports 2011
SAVERS CO-OPERATIVE BANK — 2011
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 403,844,000 | 408,539,000 | 411,178,000 | 414,587,000 |
| Total loans | 276,115,000 | 278,131,000 | 276,980,000 | 288,221,000 |
| Allowance for loan losses | 2,429,000 | 2,284,000 | 2,335,000 | 2,375,000 |
| Securities available for sale | 40,152,000 | 42,581,000 | 49,792,000 | 51,544,000 |
| Securities held to maturity | 35,553,000 | 35,896,000 | 32,128,000 | 28,214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,859,000 | 306,043,000 | 309,118,000 | 307,902,000 |
| Interest-bearing deposits | 275,390,000 | 276,605,000 | 280,653,000 | 280,051,000 |
| Noninterest-bearing deposits | 25,469,000 | 29,438,000 | 28,464,000 | 27,851,000 |
| Equity capital | 42,645,000 | 43,182,000 | 43,695,000 | 44,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,160,000 | 8,334,000 | 12,451,000 | 16,507,000 |
| Interest expense | 1,216,000 | 2,427,000 | 3,600,000 | 4,690,000 |
| Net interest income | 2,944,000 | 5,907,000 | 8,851,000 | 11,817,000 |
| Noninterest income | 641,000 | 1,190,000 | 1,810,000 | 2,482,000 |
| Noninterest expense | 2,824,000 | 5,589,000 | 8,378,000 | 11,284,000 |
| Provision for loan losses | 0 | 0 | 188,000 | 333,000 |
| Pretax income | 761,000 | 1,508,000 | 2,098,000 | 2,689,000 |
| Income tax | 181,000 | 389,000 | 527,000 | 653,000 |
| Net income | 580,000 | 1,119,000 | 1,571,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,680,000 | 43,208,000 | 43,674,000 | 44,139,000 |
| Total capital | 45,183,000 | 45,560,000 | 46,057,000 | 46,577,000 |
| Risk-weighted assets | 242,538,000 | 244,140,000 | 238,581,000 | 246,981,000 |