Call reports 2006
EQUITABLE CO-OPERATIVE BANK — 2006
What EQUITABLE CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 88,872,000 | 90,384,000 | 89,997,000 | 92,942,000 |
| Total loans | 52,062,000 | 54,282,000 | 53,050,000 | 55,763,000 |
| Allowance for loan losses | 308,000 | 308,000 | 308,000 | 347,000 |
| Securities available for sale | 24,005,000 | 23,388,000 | 24,785,000 | 25,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,104,000 | 67,793,000 | 64,727,000 | 65,533,000 |
| Interest-bearing deposits | 65,600,000 | 65,139,000 | 62,702,000 | 63,223,000 |
| Noninterest-bearing deposits | 2,504,000 | 2,654,000 | 2,024,000 | 2,310,000 |
| Equity capital | 12,708,000 | 12,904,000 | 13,277,000 | 13,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,263,000 | 3,440,000 | 4,669,000 |
| Interest expense | 406,000 | 832,000 | 1,303,000 | 1,824,000 |
| Net interest income | 680,000 | 1,431,000 | 2,137,000 | 2,845,000 |
| Noninterest income | 99,000 | 574,000 | 808,000 | 924,000 |
| Noninterest expense | 722,000 | 1,511,000 | 2,250,000 | 2,975,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 57,000 | 494,000 | 695,000 | 749,000 |
| Income tax | 7,000 | 167,000 | 236,000 | 225,000 |
| Net income | 50,000 | 327,000 | 459,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,091,000 | 11,112,000 | 11,189,000 | 11,286,000 |
| Total capital | 11,399,000 | 11,420,000 | 11,497,000 | 11,633,000 |
| Risk-weighted assets | 61,859,000 | 60,608,000 | 60,669,000 | 61,830,000 |