Call reports 2008
EVERETT CO-OPERATIVE BANK — 2008
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 245,064,000 | 249,969,000 | 252,192,000 | 253,284,000 |
| Total loans | 187,465,000 | 195,575,000 | 200,182,000 | 206,153,000 |
| Allowance for loan losses | 1,465,000 | 1,462,000 | 1,436,000 | 1,461,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,193,000 | 24,000,000 | 28,243,000 | 30,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,360,000 | 207,142,000 | 208,265,000 | 204,982,000 |
| Interest-bearing deposits | 188,487,000 | 190,343,000 | 193,374,000 | 191,305,000 |
| Noninterest-bearing deposits | 14,873,000 | 16,799,000 | 14,891,000 | 13,677,000 |
| Equity capital | 27,433,000 | 28,052,000 | 28,754,000 | 29,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,500,000 | 6,952,000 | 10,473,000 | 14,010,000 |
| Interest expense | 1,708,000 | 3,211,000 | 4,596,000 | 6,029,000 |
| Net interest income | 1,792,000 | 3,741,000 | 5,877,000 | 7,981,000 |
| Noninterest income | 199,000 | 375,000 | 543,000 | 703,000 |
| Noninterest expense | 1,112,000 | 2,238,000 | 3,406,000 | 4,617,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 879,000 | 1,878,000 | 3,014,000 | 4,067,000 |
| Income tax | 334,000 | 714,000 | 1,148,000 | 1,547,000 |
| Net income | 545,000 | 1,164,000 | 1,866,000 | 2,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,515,000 | 28,134,000 | 28,836,000 | 29,490,000 |
| Total capital | 28,980,000 | 29,596,000 | 30,272,000 | 30,951,000 |
| Risk-weighted assets | 149,323,000 | 155,000,000 | 157,553,000 | 160,008,000 |
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