Call reports 2018
EVERETT CO-OPERATIVE BANK — 2018
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 487,833,000 | 506,070,000 | 496,307,000 | 497,897,000 |
| Total loans | 413,973,000 | 428,005,000 | 424,972,000 | 429,182,000 |
| Allowance for loan losses | 3,277,000 | 3,337,000 | 3,396,000 | 3,485,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 35,308,000 | 31,841,000 | 34,784,000 | 37,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,062,000 | 400,886,000 | 397,825,000 | 406,924,000 |
| Interest-bearing deposits | 354,500,000 | 358,662,000 | 358,827,000 | 366,621,000 |
| Noninterest-bearing deposits | 40,562,000 | 42,224,000 | 38,998,000 | 40,303,000 |
| Equity capital | 60,558,000 | 61,851,000 | 62,963,000 | 63,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,740,000 | 9,866,000 | 15,139,000 | 20,513,000 |
| Interest expense | 1,153,000 | 2,430,000 | 4,104,000 | 5,771,000 |
| Net interest income | 3,587,000 | 7,436,000 | 11,035,000 | 14,742,000 |
| Noninterest income | 232,000 | 459,000 | 691,000 | 931,000 |
| Noninterest expense | 2,341,000 | 4,599,000 | 6,795,000 | 9,482,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 1,418,000 | 3,176,000 | 4,751,000 | 5,971,000 |
| Income tax | 370,000 | 835,000 | 1,298,000 | 1,609,000 |
| Net income | 1,048,000 | 2,341,000 | 3,453,000 | 4,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,558,000 | 61,851,000 | 63,156,000 | 63,872,000 |
| Total capital | 64,009,000 | 65,367,000 | 66,736,000 | 67,541,000 |
| Risk-weighted assets | 337,096,000 | 355,739,000 | 361,262,000 | 380,050,000 |
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