Call reports 2011
EQUITABLE CO-OPERATIVE BANK — 2011
What EQUITABLE CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 94,172,000 | 97,480,000 | 99,337,000 | 101,432,000 |
| Total loans | 62,948,000 | 63,879,000 | 64,931,000 | 66,850,000 |
| Allowance for loan losses | 421,000 | 462,000 | 475,000 | 525,000 |
| Securities available for sale | 17,619,000 | 17,001,000 | 18,676,000 | 22,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,273,000 | 75,713,000 | 77,058,000 | 79,161,000 |
| Interest-bearing deposits | 73,464,000 | 72,335,000 | 73,597,000 | 75,284,000 |
| Noninterest-bearing deposits | 2,809,000 | 3,378,000 | 3,461,000 | 3,877,000 |
| Equity capital | 9,020,000 | 8,894,000 | 9,326,000 | 9,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,943,000 | 2,897,000 | 3,884,000 |
| Interest expense | 236,000 | 460,000 | 679,000 | 899,000 |
| Net interest income | 750,000 | 1,483,000 | 2,218,000 | 2,985,000 |
| Noninterest income | 54,000 | 110,000 | 311,000 | 538,000 |
| Noninterest expense | 898,000 | 1,663,000 | 2,427,000 | 3,200,000 |
| Provision for loan losses | 15,000 | 15,000 | 28,000 | 104,000 |
| Pretax income | -61,000 | -233,000 | -65,000 | 79,000 |
| Income tax | 3,000 | 9,000 | 6,000 | 12,000 |
| Net income | -64,000 | -242,000 | -71,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,240,000 | 8,068,000 | 8,139,000 | 8,310,000 |
| Total capital | 8,661,000 | 8,530,000 | 8,614,000 | 8,835,000 |
| Risk-weighted assets | 58,916,000 | 58,869,000 | 58,271,000 | 58,281,000 |