Call reports 2019
SAVERS CO-OPERATIVE BANK — 2019
What SAVERS CO-OPERATIVE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 577,881,000 | 578,934,000 | 581,369,000 | 594,422,000 |
| Total loans | 482,849,000 | 485,881,000 | 474,525,000 | 476,412,000 |
| Allowance for loan losses | 4,375,000 | 4,473,000 | 4,495,000 | 4,441,000 |
| Securities available for sale | 32,806,000 | 32,527,000 | 33,291,000 | 54,624,000 |
| Securities held to maturity | 17,186,000 | 16,501,000 | 16,050,000 | 1,894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,723,000 | 422,125,000 | 422,091,000 | 439,147,000 |
| Interest-bearing deposits | 367,529,000 | 368,875,000 | 361,426,000 | 382,057,000 |
| Noninterest-bearing deposits | 52,194,000 | 53,249,000 | 60,666,000 | 57,090,000 |
| Equity capital | 61,599,000 | 62,919,000 | 64,108,000 | 65,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,699,000 | 11,605,000 | 17,504,000 | 23,244,000 |
| Interest expense | 1,411,000 | 2,875,000 | 4,321,000 | 5,801,000 |
| Net interest income | 4,288,000 | 8,730,000 | 13,183,000 | 17,443,000 |
| Noninterest income | 710,000 | 1,575,000 | 2,485,000 | 3,289,000 |
| Noninterest expense | 3,875,000 | 7,724,000 | 11,509,000 | 15,374,000 |
| Provision for loan losses | 145,000 | 265,000 | 345,000 | 345,000 |
| Pretax income | 980,000 | 2,322,000 | 3,821,000 | 5,022,000 |
| Income tax | 218,000 | 537,000 | 899,000 | 1,169,000 |
| Net income | 762,000 | 1,785,000 | 2,922,000 | 3,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,677,000 | 62,699,000 | 63,838,000 | 64,767,000 |
| Total capital | 66,052,000 | 67,172,000 | 68,378,000 | 69,253,000 |
| Risk-weighted assets | 450,300,000 | 454,144,000 | 447,651,000 | 458,345,000 |