Call reports 2013
SAVERS CO-OPERATIVE BANK — 2013
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 426,990,000 | 422,018,000 | 428,572,000 | 426,512,000 |
| Total loans | 316,302,000 | 312,705,000 | 320,684,000 | 326,411,000 |
| Allowance for loan losses | 2,753,000 | 2,773,000 | 2,810,000 | 2,880,000 |
| Securities available for sale | 48,330,000 | 46,743,000 | 44,962,000 | 44,143,000 |
| Securities held to maturity | 23,914,000 | 22,765,000 | 22,715,000 | 22,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,792,000 | 329,631,000 | 331,809,000 | 330,436,000 |
| Interest-bearing deposits | 300,570,000 | 306,499,000 | 305,014,000 | 301,746,000 |
| Noninterest-bearing deposits | 33,222,000 | 23,132,000 | 26,794,000 | 28,690,000 |
| Equity capital | 46,639,000 | 47,099,000 | 47,628,000 | 48,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,957,000 | 7,904,000 | 11,838,000 | 15,739,000 |
| Interest expense | 722,000 | 1,411,000 | 2,093,000 | 2,762,000 |
| Net interest income | 3,235,000 | 6,493,000 | 9,745,000 | 12,977,000 |
| Noninterest income | 610,000 | 1,409,000 | 2,222,000 | 2,891,000 |
| Noninterest expense | 3,221,000 | 6,354,000 | 9,458,000 | 12,641,000 |
| Provision for loan losses | 188,000 | 282,000 | 376,000 | 471,000 |
| Pretax income | 436,000 | 1,266,000 | 2,133,000 | 2,756,000 |
| Income tax | 94,000 | 344,000 | 609,000 | 778,000 |
| Net income | 342,000 | 922,000 | 1,524,000 | 1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,352,000 | 46,932,000 | 47,535,000 | 47,988,000 |
| Total capital | 49,196,000 | 49,798,000 | 50,441,000 | 50,989,000 |
| Risk-weighted assets | 264,248,000 | 261,490,000 | 265,957,000 | 268,508,000 |