Call reports 2009
EQUITABLE CO-OPERATIVE BANK — 2009
What EQUITABLE CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 95,355,000 | 97,082,000 | 96,119,000 | 97,193,000 |
| Total loans | 58,584,000 | 58,837,000 | 59,136,000 | 59,913,000 |
| Allowance for loan losses | 603,000 | 253,000 | 314,000 | 359,000 |
| Securities available for sale | 23,040,000 | 23,069,000 | 24,171,000 | 24,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,293,000 | 72,111,000 | 71,541,000 | 74,924,000 |
| Interest-bearing deposits | 67,592,000 | 69,472,000 | 69,043,000 | 72,281,000 |
| Noninterest-bearing deposits | 2,701,000 | 2,639,000 | 2,498,000 | 2,643,000 |
| Equity capital | 8,841,000 | 9,678,000 | 10,219,000 | 9,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,238,000 | 2,442,000 | 3,621,000 | 4,744,000 |
| Interest expense | 456,000 | 859,000 | 1,235,000 | 1,581,000 |
| Net interest income | 782,000 | 1,583,000 | 2,386,000 | 3,163,000 |
| Noninterest income | 25,000 | 79,000 | 52,000 | 136,000 |
| Noninterest expense | 691,000 | 1,444,000 | 2,176,000 | 2,979,000 |
| Provision for loan losses | 12,000 | 12,000 | 77,000 | 302,000 |
| Pretax income | 104,000 | 124,000 | 103,000 | -1,776,000 |
| Income tax | 28,000 | -348,000 | -343,000 | -368,000 |
| Net income | 76,000 | 472,000 | 446,000 | -1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,197,000 | 9,515,000 | 10,321,000 | 8,546,000 |
| Total capital | 8,800,000 | 9,768,000 | 10,635,000 | 8,905,000 |
| Risk-weighted assets | 67,319,000 | 67,835,000 | 68,250,000 | 65,411,000 |