Call reports 2004
EVERETT CO-OPERATIVE BANK — 2004
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 204,250,000 | 208,587,000 | 214,634,000 | 214,436,000 |
| Total loans | 132,747,000 | 138,837,000 | 146,332,000 | 147,261,000 |
| Allowance for loan losses | 1,415,000 | 1,425,000 | 1,428,000 | 1,426,000 |
| Securities available for sale | 4,481,000 | 3,493,000 | 1,484,000 | 2,011,000 |
| Securities held to maturity | 42,104,000 | 44,639,000 | 47,319,000 | 41,699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,302,000 | 183,193,000 | 188,950,000 | 188,190,000 |
| Interest-bearing deposits | 167,207,000 | 171,094,000 | 174,998,000 | 175,432,000 |
| Noninterest-bearing deposits | 12,095,000 | 12,099,000 | 13,952,000 | 12,758,000 |
| Equity capital | 19,485,000 | 19,952,000 | 20,393,000 | 20,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,402,000 | 4,876,000 | 7,390,000 | 10,014,000 |
| Interest expense | 879,000 | 1,774,000 | 2,703,000 | 3,663,000 |
| Net interest income | 1,523,000 | 3,102,000 | 4,687,000 | 6,351,000 |
| Noninterest income | 141,000 | 288,000 | 423,000 | 561,000 |
| Noninterest expense | 937,000 | 1,905,000 | 2,888,000 | 3,875,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 732,000 | 1,522,000 | 2,262,000 | 3,085,000 |
| Income tax | 278,000 | 580,000 | 860,000 | 1,175,000 |
| Net income | 454,000 | 942,000 | 1,402,000 | 1,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,480,000 | 19,968,000 | 20,424,000 | 20,933,000 |
| Total capital | 20,896,000 | 21,398,000 | 21,852,000 | 22,368,000 |
| Risk-weighted assets | 112,858,000 | 118,434,000 | 119,266,000 | 120,836,000 |
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