Call reports 2015
EVERETT CO-OPERATIVE BANK — 2015
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 395,083,000 | 408,090,000 | 408,614,000 | 414,018,000 |
| Total loans | 339,769,000 | 342,169,000 | 343,687,000 | 350,421,000 |
| Allowance for loan losses | 2,832,000 | 2,892,000 | 2,952,000 | 2,952,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,923,000 | 31,289,000 | 30,252,000 | 29,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,119,000 | 338,315,000 | 340,630,000 | 344,904,000 |
| Interest-bearing deposits | 295,630,000 | 310,470,000 | 311,764,000 | 315,512,000 |
| Noninterest-bearing deposits | 26,489,000 | 27,845,000 | 28,866,000 | 29,392,000 |
| Equity capital | 50,637,000 | 51,625,000 | 52,546,000 | 53,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,933,000 | 7,953,000 | 12,003,000 | 16,098,000 |
| Interest expense | 848,000 | 1,729,000 | 2,613,000 | 3,518,000 |
| Net interest income | 3,085,000 | 6,224,000 | 9,390,000 | 12,580,000 |
| Noninterest income | 148,000 | 338,000 | 483,000 | 620,000 |
| Noninterest expense | 1,649,000 | 3,300,000 | 5,050,000 | 6,838,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 1,524,000 | 3,142,000 | 4,643,000 | 6,182,000 |
| Income tax | 594,000 | 1,221,000 | 1,800,000 | 2,394,000 |
| Net income | 930,000 | 1,921,000 | 2,843,000 | 3,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,702,000 | 51,625,000 | 52,546,000 | 53,492,000 |
| Total capital | 53,661,000 | 54,644,000 | 55,625,000 | 56,571,000 |
| Risk-weighted assets | 268,210,000 | 265,764,000 | 269,021,000 | 276,605,000 |