Call reports 2015
SAVERS CO-OPERATIVE BANK — 2015
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 460,834,000 | 463,519,000 | 463,270,000 | 471,368,000 |
| Total loans | 362,005,000 | 367,038,000 | 368,089,000 | 374,180,000 |
| Allowance for loan losses | 3,344,000 | 3,319,000 | 3,365,000 | 3,563,000 |
| Securities available for sale | 38,941,000 | 37,739,000 | 36,757,000 | 37,836,000 |
| Securities held to maturity | 21,553,000 | 21,426,000 | 22,387,000 | 21,752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,094,000 | 350,698,000 | 348,422,000 | 348,664,000 |
| Interest-bearing deposits | 308,438,000 | 313,155,000 | 309,253,000 | 308,226,000 |
| Noninterest-bearing deposits | 34,656,000 | 37,543,000 | 39,169,000 | 40,438,000 |
| Equity capital | 50,778,000 | 51,381,000 | 51,946,000 | 52,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,143,000 | 8,322,000 | 12,526,000 | 16,792,000 |
| Interest expense | 626,000 | 1,235,000 | 1,841,000 | 2,461,000 |
| Net interest income | 3,517,000 | 7,087,000 | 10,685,000 | 14,331,000 |
| Noninterest income | 699,000 | 1,460,000 | 2,196,000 | 2,955,000 |
| Noninterest expense | 3,381,000 | 6,722,000 | 10,126,000 | 13,547,000 |
| Provision for loan losses | 80,000 | 200,000 | 320,000 | 580,000 |
| Pretax income | 755,000 | 1,625,000 | 2,430,000 | 3,159,000 |
| Income tax | 214,000 | 468,000 | 698,000 | 892,000 |
| Net income | 541,000 | 1,157,000 | 1,732,000 | 2,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,489,000 | 51,105,000 | 51,680,000 | 52,215,000 |
| Total capital | 53,936,000 | 54,537,000 | 55,151,000 | 55,914,000 |
| Risk-weighted assets | 302,529,000 | 304,546,000 | 309,856,000 | 316,878,000 |