Call reports 2005
EQUITABLE CO-OPERATIVE BANK — 2005
What EQUITABLE CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,238,000 | 81,989,000 | 84,873,000 | 89,086,000 |
| Total loans | 43,921,000 | 46,909,000 | 49,710,000 | 49,947,000 |
| Allowance for loan losses | 308,000 | 307,000 | 308,000 | 308,000 |
| Securities available for sale | 23,412,000 | 21,787,000 | 21,795,000 | 22,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,244,000 | 64,177,000 | 65,018,000 | 69,215,000 |
| Interest-bearing deposits | 61,667,000 | 62,038,000 | 62,243,000 | 66,586,000 |
| Noninterest-bearing deposits | 1,577,000 | 2,139,000 | 2,775,000 | 2,629,000 |
| Equity capital | 12,366,000 | 12,687,000 | 12,678,000 | 12,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,874,000 | 2,889,000 | 3,923,000 |
| Interest expense | 248,000 | 510,000 | 804,000 | 1,157,000 |
| Net interest income | 654,000 | 1,364,000 | 2,085,000 | 2,766,000 |
| Noninterest income | 245,000 | 601,000 | 688,000 | 892,000 |
| Noninterest expense | 752,000 | 1,513,000 | 2,181,000 | 2,903,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 452,000 | 592,000 | 755,000 |
| Income tax | 50,000 | 160,000 | 198,000 | 250,000 |
| Net income | 97,000 | 292,000 | 394,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,814,000 | 10,823,000 | 10,951,000 | 11,023,000 |
| Total capital | 11,122,000 | 11,130,000 | 11,259,000 | 11,331,000 |
| Risk-weighted assets | 55,312,000 | 55,716,000 | 58,552,000 | 60,528,000 |