Call reports 2016
SAVERS CO-OPERATIVE BANK — 2016
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 479,146,000 | 501,816,000 | 492,032,000 | 498,287,000 |
| Total loans | 378,364,000 | 389,866,000 | 393,701,000 | 405,161,000 |
| Allowance for loan losses | 3,652,000 | 3,645,000 | 3,628,000 | 3,638,000 |
| Securities available for sale | 36,239,000 | 34,942,000 | 33,134,000 | 32,054,000 |
| Securities held to maturity | 21,023,000 | 20,469,000 | 21,147,000 | 22,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,723,000 | 368,928,000 | 365,167,000 | 368,154,000 |
| Interest-bearing deposits | 315,071,000 | 313,680,000 | 318,369,000 | 320,717,000 |
| Noninterest-bearing deposits | 40,652,000 | 55,248,000 | 46,798,000 | 47,437,000 |
| Equity capital | 52,940,000 | 53,867,000 | 54,491,000 | 55,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,285,000 | 8,631,000 | 13,044,000 | 17,497,000 |
| Interest expense | 665,000 | 1,357,000 | 2,065,000 | 2,769,000 |
| Net interest income | 3,620,000 | 7,274,000 | 10,979,000 | 14,728,000 |
| Noninterest income | 692,000 | 1,762,000 | 2,536,000 | 3,494,000 |
| Noninterest expense | 3,430,000 | 6,947,000 | 10,479,000 | 13,950,000 |
| Provision for loan losses | 80,000 | 100,000 | 100,000 | 200,000 |
| Pretax income | 802,000 | 1,989,000 | 2,936,000 | 4,072,000 |
| Income tax | 230,000 | 614,000 | 906,000 | 1,264,000 |
| Net income | 572,000 | 1,375,000 | 2,030,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,737,000 | 53,848,000 | 54,244,000 | 55,022,000 |
| Total capital | 56,529,000 | 57,632,000 | 58,000,000 | 58,803,000 |
| Risk-weighted assets | 322,464,000 | 335,404,000 | 336,595,000 | 372,588,000 |