Call reports 2025
EVERETT CO-OPERATIVE BANK — 2025
What EVERETT CO-OPERATIVE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,451,779,000 | 1,514,739,000 | 1,552,333,000 | 1,605,360,000 |
| Total loans | 1,186,434,000 | 1,293,129,000 | 1,315,558,000 | 1,382,426,000 |
| Allowance for loan losses | 8,808,000 | 9,886,000 | 10,015,000 | 10,255,000 |
| Securities available for sale | 13,950,000 | 20,038,000 | 31,020,000 | 34,317,000 |
| Securities held to maturity | 68,081,000 | 66,844,000 | 58,485,000 | 55,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,051,980,000 | 1,081,317,000 | 1,120,459,000 | 1,144,175,000 |
| Interest-bearing deposits | 971,966,000 | 993,316,000 | 1,035,533,000 | 1,062,561,000 |
| Noninterest-bearing deposits | 80,014,000 | 88,001,000 | 84,926,000 | 81,614,000 |
| Equity capital | 146,545,000 | 147,671,000 | 150,633,000 | 153,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 17,621,000 | 36,723,000 | 57,141,000 | 78,180,000 |
| Interest expense | 11,106,000 | 22,679,000 | 34,763,000 | 46,770,000 |
| Net interest income | 6,515,000 | 14,044,000 | 22,378,000 | 31,410,000 |
| Noninterest income | 286,000 | 655,000 | 1,010,000 | 1,384,000 |
| Noninterest expense | 5,164,000 | 10,072,000 | 15,407,000 | 21,155,000 |
| Provision for loan losses | 6,000 | 1,085,000 | 1,215,000 | 1,457,000 |
| Pretax income | 1,647,000 | 3,517,000 | 6,688,000 | 10,105,000 |
| Income tax | 404,000 | 866,000 | 1,634,000 | 2,501,000 |
| Net income | 1,243,000 | 2,651,000 | 5,054,000 | 7,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,931,000 | 148,763,000 | 151,632,000 | 154,650,000 |
| Total capital | 156,357,000 | 159,308,000 | 162,359,000 | 165,616,000 |
| Risk-weighted assets | 963,395,000 | 1,085,591,000 | 1,105,953,000 | 1,159,145,000 |