Call reports 2005
EVERETT CO-OPERATIVE BANK — 2005
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 217,389,000 | 216,946,000 | 225,753,000 | 222,442,000 |
| Total loans | 152,856,000 | 155,824,000 | 160,610,000 | 159,343,000 |
| Allowance for loan losses | 1,425,000 | 1,349,000 | 1,348,000 | 1,423,000 |
| Securities available for sale | 2,007,000 | 1,990,000 | 1,991,000 | 1,971,000 |
| Securities held to maturity | 38,858,000 | 37,914,000 | 33,799,000 | 32,384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,721,000 | 190,174,000 | 198,173,000 | 193,333,000 |
| Interest-bearing deposits | 176,800,000 | 176,335,000 | 181,487,000 | 179,086,000 |
| Noninterest-bearing deposits | 13,921,000 | 13,839,000 | 16,686,000 | 14,247,000 |
| Equity capital | 21,364,000 | 21,940,000 | 22,577,000 | 23,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,453,000 | 8,381,000 | 11,338,000 |
| Interest expense | 980,000 | 2,048,000 | 3,165,000 | 4,444,000 |
| Net interest income | 1,661,000 | 3,405,000 | 5,216,000 | 6,894,000 |
| Noninterest income | 128,000 | 330,000 | 533,000 | 736,000 |
| Noninterest expense | 1,051,000 | 2,067,000 | 3,061,000 | 4,099,000 |
| Provision for loan losses | 0 | 3,000 | 5,000 | 6,000 |
| Pretax income | 751,000 | 1,672,000 | 2,693,000 | 3,522,000 |
| Income tax | 282,000 | 631,000 | 1,016,000 | 1,327,000 |
| Net income | 469,000 | 1,041,000 | 1,677,000 | 2,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,364,000 | 21,927,000 | 22,610,000 | 23,056,000 |
| Total capital | 22,789,000 | 23,276,000 | 23,962,000 | 24,479,000 |
| Risk-weighted assets | 122,649,000 | 122,441,000 | 126,656,000 | 124,937,000 |
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