Call reports 2004
EQUITABLE CO-OPERATIVE BANK — 2004
What EQUITABLE CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 73,371,000 | 76,647,000 | 79,710,000 | 78,427,000 |
| Total loans | 40,553,000 | 43,750,000 | 45,392,000 | 45,199,000 |
| Allowance for loan losses | 311,000 | 309,000 | 309,000 | 308,000 |
| Securities available for sale | 19,724,000 | 22,163,000 | 22,428,000 | 20,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,691,000 | 62,235,000 | 62,703,000 | 61,344,000 |
| Interest-bearing deposits | 57,078,000 | 60,074,000 | 60,278,000 | 59,200,000 |
| Noninterest-bearing deposits | 2,613,000 | 2,161,000 | 2,425,000 | 2,144,000 |
| Equity capital | 12,181,000 | 12,165,000 | 12,381,000 | 12,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 802,000 | 1,628,000 | 2,511,000 | 3,410,000 |
| Interest expense | 237,000 | 478,000 | 713,000 | 950,000 |
| Net interest income | 565,000 | 1,150,000 | 1,798,000 | 2,460,000 |
| Noninterest income | 222,000 | 742,000 | 984,000 | 1,068,000 |
| Noninterest expense | 715,000 | 1,540,000 | 2,226,000 | 2,959,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 400,000 | 603,000 | 723,000 |
| Income tax | 36,000 | 128,000 | 191,000 | 222,000 |
| Net income | 81,000 | 272,000 | 412,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,019,000 | 11,185,000 | 11,164,000 | 10,837,000 |
| Total capital | 11,330,000 | 11,494,000 | 11,473,000 | 11,145,000 |
| Risk-weighted assets | 51,119,000 | 52,410,000 | 55,075,000 | 57,126,000 |