Call reports 2017
SAVERS CO-OPERATIVE BANK — 2017
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 514,998,000 | 531,812,000 | 530,936,000 | 535,294,000 |
| Total loans | 417,382,000 | 437,513,000 | 438,954,000 | 445,463,000 |
| Allowance for loan losses | 3,657,000 | 3,723,000 | 3,748,000 | 4,049,000 |
| Securities available for sale | 32,791,000 | 32,061,000 | 31,845,000 | 32,666,000 |
| Securities held to maturity | 22,056,000 | 21,895,000 | 21,194,000 | 20,778,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,689,000 | 376,959,000 | 377,962,000 | 377,330,000 |
| Interest-bearing deposits | 327,350,000 | 329,128,000 | 329,535,000 | 329,964,000 |
| Noninterest-bearing deposits | 45,339,000 | 47,831,000 | 48,428,000 | 47,366,000 |
| Equity capital | 55,792,000 | 56,637,000 | 57,442,000 | 57,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,613,000 | 9,439,000 | 14,374,000 | 19,278,000 |
| Interest expense | 744,000 | 1,560,000 | 2,416,000 | 3,322,000 |
| Net interest income | 3,869,000 | 7,879,000 | 11,958,000 | 15,956,000 |
| Noninterest income | 657,000 | 1,527,000 | 2,255,000 | 3,067,000 |
| Noninterest expense | 3,526,000 | 7,120,000 | 10,675,000 | 14,262,000 |
| Provision for loan losses | 60,000 | 140,000 | 230,000 | 550,000 |
| Pretax income | 940,000 | 2,146,000 | 3,308,000 | 4,211,000 |
| Income tax | 291,000 | 710,000 | 1,065,000 | 1,759,000 |
| Net income | 649,000 | 1,436,000 | 2,243,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,672,000 | 56,460,000 | 57,267,000 | 57,474,000 |
| Total capital | 59,460,000 | 60,298,000 | 61,116,000 | 61,587,000 |
| Risk-weighted assets | 372,369,000 | 392,103,000 | 396,034,000 | 406,589,000 |