Call reports 2014
EVERETT CO-OPERATIVE BANK — 2014
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 360,203,000 | 367,227,000 | 377,424,000 | 390,603,000 |
| Total loans | 301,915,000 | 309,668,000 | 319,667,000 | 333,953,000 |
| Allowance for loan losses | 2,613,000 | 2,743,000 | 2,747,000 | 2,771,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,192,000 | 18,453,000 | 19,673,000 | 18,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,657,000 | 297,440,000 | 307,601,000 | 316,632,000 |
| Interest-bearing deposits | 262,992,000 | 271,397,000 | 281,291,000 | 290,676,000 |
| Noninterest-bearing deposits | 22,665,000 | 26,043,000 | 26,310,000 | 25,956,000 |
| Equity capital | 47,058,000 | 47,887,000 | 48,851,000 | 49,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,620,000 | 7,280,000 | 11,171,000 | 15,057,000 |
| Interest expense | 725,000 | 1,475,000 | 2,294,000 | 3,141,000 |
| Net interest income | 2,895,000 | 5,805,000 | 8,877,000 | 11,916,000 |
| Noninterest income | 119,000 | 247,000 | 391,000 | 523,000 |
| Noninterest expense | 1,709,000 | 3,337,000 | 4,921,000 | 6,640,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,245,000 | 2,595,000 | 4,167,000 | 5,559,000 |
| Income tax | 480,000 | 1,001,000 | 1,609,000 | 2,145,000 |
| Net income | 765,000 | 1,594,000 | 2,558,000 | 3,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,123,000 | 47,952,000 | 48,916,000 | 49,772,000 |
| Total capital | 49,863,000 | 50,822,000 | 51,790,000 | 52,670,000 |
| Risk-weighted assets | 250,215,000 | 258,002,000 | 265,449,000 | 275,681,000 |
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