Call reports 2018
SAVERS CO-OPERATIVE BANK — 2018
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 539,931,000 | 551,038,000 | 569,493,000 | 570,232,000 |
| Total loans | 450,467,000 | 462,742,000 | 479,508,000 | 486,000,000 |
| Allowance for loan losses | 4,126,000 | 4,088,000 | 4,171,000 | 4,270,000 |
| Securities available for sale | 30,770,000 | 29,997,000 | 32,415,000 | 31,737,000 |
| Securities held to maturity | 19,617,000 | 19,051,000 | 18,780,000 | 17,399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,444,000 | 393,970,000 | 411,582,000 | 412,339,000 |
| Interest-bearing deposits | 338,300,000 | 346,150,000 | 361,361,000 | 360,843,000 |
| Noninterest-bearing deposits | 48,144,000 | 47,820,000 | 50,221,000 | 51,496,000 |
| Equity capital | 57,945,000 | 58,783,000 | 59,664,000 | 60,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,022,000 | 10,229,000 | 15,668,000 | 21,343,000 |
| Interest expense | 924,000 | 1,971,000 | 3,190,000 | 4,548,000 |
| Net interest income | 4,098,000 | 8,258,000 | 12,478,000 | 16,795,000 |
| Noninterest income | 656,000 | 1,417,000 | 2,127,000 | 3,004,000 |
| Noninterest expense | 3,799,000 | 7,556,000 | 11,180,000 | 15,059,000 |
| Provision for loan losses | 90,000 | 180,000 | 300,000 | 450,000 |
| Pretax income | 865,000 | 1,939,000 | 3,214,000 | 4,367,000 |
| Income tax | 181,000 | 412,000 | 697,000 | 925,000 |
| Net income | 684,000 | 1,527,000 | 2,517,000 | 3,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,156,000 | 58,999,000 | 59,989,000 | 60,914,000 |
| Total capital | 62,323,000 | 63,128,000 | 64,162,000 | 65,185,000 |
| Risk-weighted assets | 410,307,000 | 425,334,000 | 437,644,000 | 445,284,000 |