Call reports 2007
EVERETT CO-OPERATIVE BANK — 2007
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 225,171,000 | 230,931,000 | 234,887,000 | 237,748,000 |
| Total loans | 169,061,000 | 176,539,000 | 185,976,000 | 189,130,000 |
| Allowance for loan losses | 1,464,000 | 1,462,000 | 1,463,000 | 1,463,000 |
| Securities available for sale | 1,000,000 | 1,000,000 | 1,000,000 | 0 |
| Securities held to maturity | 30,324,000 | 26,640,000 | 23,575,000 | 19,696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,010,000 | 203,681,000 | 205,109,000 | 198,914,000 |
| Interest-bearing deposits | 184,331,000 | 187,867,000 | 188,670,000 | 183,402,000 |
| Noninterest-bearing deposits | 13,679,000 | 15,814,000 | 16,439,000 | 15,512,000 |
| Equity capital | 25,476,000 | 25,933,000 | 26,422,000 | 26,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,207,000 | 6,560,000 | 9,981,000 | 13,494,000 |
| Interest expense | 1,674,000 | 3,387,000 | 5,130,000 | 6,888,000 |
| Net interest income | 1,533,000 | 3,173,000 | 4,851,000 | 6,606,000 |
| Noninterest income | 189,000 | 377,000 | 572,000 | 759,000 |
| Noninterest expense | 1,118,000 | 2,212,000 | 3,297,000 | 4,349,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 604,000 | 1,338,000 | 2,126,000 | 3,016,000 |
| Income tax | 214,000 | 491,000 | 790,000 | 1,132,000 |
| Net income | 390,000 | 847,000 | 1,336,000 | 1,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,476,000 | 25,933,000 | 26,422,000 | 26,970,000 |
| Total capital | 26,940,000 | 27,395,000 | 27,885,000 | 28,433,000 |
| Risk-weighted assets | 129,930,000 | 135,363,000 | 144,858,000 | 147,660,000 |
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