Call reports 2009
EVERETT CO-OPERATIVE BANK — 2009
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 252,738,000 | 255,246,000 | 258,413,000 | 268,135,000 |
| Total loans | 201,646,000 | 198,284,000 | 209,817,000 | 219,663,000 |
| Allowance for loan losses | 1,439,000 | 1,441,000 | 1,442,000 | 1,442,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,011,000 | 25,357,000 | 26,930,000 | 28,615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,399,000 | 214,915,000 | 217,289,000 | 220,715,000 |
| Interest-bearing deposits | 197,871,000 | 201,444,000 | 202,440,000 | 205,832,000 |
| Noninterest-bearing deposits | 13,528,000 | 13,471,000 | 14,849,000 | 14,883,000 |
| Equity capital | 30,101,000 | 30,701,000 | 31,340,000 | 32,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,475,000 | 6,808,000 | 10,105,000 | 13,491,000 |
| Interest expense | 1,348,000 | 2,625,000 | 3,761,000 | 4,795,000 |
| Net interest income | 2,127,000 | 4,183,000 | 6,344,000 | 8,696,000 |
| Noninterest income | 188,000 | 400,000 | 564,000 | 732,000 |
| Noninterest expense | 1,208,000 | 2,488,000 | 3,761,000 | 5,081,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,107,000 | 2,095,000 | 3,147,000 | 4,347,000 |
| Income tax | 429,000 | 817,000 | 1,230,000 | 1,706,000 |
| Net income | 678,000 | 1,278,000 | 1,917,000 | 2,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,168,000 | 30,768,000 | 31,407,000 | 32,131,000 |
| Total capital | 31,607,000 | 32,209,000 | 32,849,000 | 33,573,000 |
| Risk-weighted assets | 158,668,000 | 159,061,000 | 164,405,000 | 173,836,000 |