Call reports 2012
EVERETT CO-OPERATIVE BANK — 2012
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 312,262,000 | 311,365,000 | 320,375,000 | 326,940,000 |
| Total loans | 249,634,000 | 258,072,000 | 272,501,000 | 275,960,000 |
| Allowance for loan losses | 2,497,000 | 2,690,000 | 2,898,000 | 2,904,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,389,000 | 17,653,000 | 17,061,000 | 15,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,644,000 | 249,321,000 | 252,278,000 | 257,766,000 |
| Interest-bearing deposits | 232,118,000 | 230,239,000 | 233,535,000 | 238,616,000 |
| Noninterest-bearing deposits | 19,526,000 | 19,082,000 | 18,743,000 | 19,150,000 |
| Equity capital | 39,583,000 | 40,453,000 | 41,395,000 | 42,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,615,000 | 7,221,000 | 10,888,000 | 14,655,000 |
| Interest expense | 767,000 | 1,502,000 | 2,222,000 | 2,928,000 |
| Net interest income | 2,848,000 | 5,719,000 | 8,666,000 | 11,727,000 |
| Noninterest income | 157,000 | 360,000 | 558,000 | 761,000 |
| Noninterest expense | 1,432,000 | 2,837,000 | 4,254,000 | 5,669,000 |
| Provision for loan losses | 196,000 | 381,000 | 565,000 | 627,000 |
| Pretax income | 1,377,000 | 2,861,000 | 4,405,000 | 6,192,000 |
| Income tax | 545,000 | 1,111,000 | 1,713,000 | 2,394,000 |
| Net income | 832,000 | 1,750,000 | 2,692,000 | 3,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,709,000 | 40,627,000 | 41,569,000 | 42,675,000 |
| Total capital | 42,267,000 | 43,271,000 | 44,375,000 | 45,494,000 |
| Risk-weighted assets | 204,616,000 | 211,397,000 | 224,290,000 | 225,290,000 |