Call reports 2002
EVERETT CO-OPERATIVE BANK — 2002
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 166,028,000 | 168,538,000 | 178,566,000 | 181,646,000 |
| Total loans | 120,770,000 | 127,376,000 | 131,542,000 | 128,207,000 |
| Allowance for loan losses | 1,464,000 | 1,449,000 | 1,503,000 | 1,509,000 |
| Securities available for sale | 3,828,000 | 2,376,000 | 2,319,000 | 3,807,000 |
| Securities held to maturity | 27,762,000 | 27,085,000 | 29,438,000 | 31,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,656,000 | 145,892,000 | 155,148,000 | 157,620,000 |
| Interest-bearing deposits | 133,759,000 | 136,188,000 | 144,608,000 | 146,230,000 |
| Noninterest-bearing deposits | 9,897,000 | 9,704,000 | 10,540,000 | 11,390,000 |
| Equity capital | 15,456,000 | 15,896,000 | 16,523,000 | 17,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,553,000 | 5,219,000 | 8,209,000 | 10,811,000 |
| Interest expense | 1,027,000 | 2,106,000 | 3,151,000 | 4,207,000 |
| Net interest income | 1,526,000 | 3,113,000 | 5,058,000 | 6,604,000 |
| Noninterest income | 106,000 | 204,000 | 330,000 | 547,000 |
| Noninterest expense | 840,000 | 1,745,000 | 2,690,000 | 3,605,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 792,000 | 1,572,000 | 2,698,000 | 3,500,000 |
| Income tax | 321,000 | 631,000 | 1,074,000 | 1,392,000 |
| Net income | 471,000 | 941,000 | 1,624,000 | 2,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,456,000 | 15,896,000 | 16,523,000 | 17,041,000 |
| Total capital | 16,612,000 | 17,098,000 | 17,758,000 | 18,306,000 |
| Risk-weighted assets | 92,170,000 | 95,933,000 | 98,531,000 | 100,976,000 |