Call reports 2010
EQUITABLE CO-OPERATIVE BANK — 2010
What EQUITABLE CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 93,834,000 | 93,945,000 | 92,787,000 | 94,276,000 |
| Total loans | 59,622,000 | 58,981,000 | 60,690,000 | 62,532,000 |
| Allowance for loan losses | 359,000 | 557,000 | 1,103,000 | 409,000 |
| Securities available for sale | 20,062,000 | 20,574,000 | 20,052,000 | 18,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,536,000 | 75,823,000 | 75,053,000 | 76,534,000 |
| Interest-bearing deposits | 71,532,000 | 73,211,000 | 72,408,000 | 73,515,000 |
| Noninterest-bearing deposits | 3,004,000 | 2,612,000 | 2,645,000 | 3,019,000 |
| Equity capital | 9,318,000 | 9,190,000 | 8,797,000 | 8,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,011,000 | 2,059,000 | 3,076,000 | 4,138,000 |
| Interest expense | 311,000 | 596,000 | 858,000 | 1,107,000 |
| Net interest income | 700,000 | 1,463,000 | 2,218,000 | 3,031,000 |
| Noninterest income | 71,000 | 153,000 | 248,000 | 545,000 |
| Noninterest expense | 680,000 | 1,360,000 | 2,207,000 | 3,127,000 |
| Provision for loan losses | 0 | 327,000 | 874,000 | 874,000 |
| Pretax income | 94,000 | -69,000 | -638,000 | -447,000 |
| Income tax | 7,000 | 6,000 | 10,000 | 14,000 |
| Net income | 87,000 | -75,000 | -648,000 | -461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,729,000 | 8,531,000 | 8,052,000 | 8,275,000 |
| Total capital | 9,088,000 | 9,088,000 | 8,824,000 | 8,684,000 |
| Risk-weighted assets | 64,251,000 | 64,319,000 | 61,417,000 | 61,244,000 |