Call reports 2012
EQUITABLE CO-OPERATIVE BANK — 2012
What EQUITABLE CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,794,000 | 104,236,000 | 101,031,000 | 101,592,000 |
| Total loans | 68,739,000 | 69,082,000 | 66,908,000 | 66,184,000 |
| Allowance for loan losses | 542,000 | 557,000 | 607,000 | 640,000 |
| Securities available for sale | 21,628,000 | 22,948,000 | 18,678,000 | 19,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,708,000 | 84,028,000 | 83,514,000 | 83,899,000 |
| Interest-bearing deposits | 76,914,000 | 78,610,000 | 79,450,000 | 79,222,000 |
| Noninterest-bearing deposits | 3,794,000 | 5,418,000 | 4,064,000 | 4,677,000 |
| Equity capital | 9,619,000 | 10,116,000 | 10,649,000 | 10,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 967,000 | 1,919,000 | 2,844,000 | 3,744,000 |
| Interest expense | 207,000 | 411,000 | 590,000 | 738,000 |
| Net interest income | 760,000 | 1,508,000 | 2,254,000 | 3,006,000 |
| Noninterest income | 223,000 | 537,000 | 930,000 | 1,394,000 |
| Noninterest expense | 784,000 | 1,622,000 | 2,502,000 | 3,473,000 |
| Provision for loan losses | 15,000 | 30,000 | 80,000 | 120,000 |
| Pretax income | 206,000 | 424,000 | 767,000 | 972,000 |
| Income tax | 3,000 | 22,000 | 22,000 | 35,000 |
| Net income | 203,000 | 402,000 | 745,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,691,000 | 8,850,000 | 9,457,000 | 9,662,000 |
| Total capital | 9,233,000 | 9,407,000 | 10,064,000 | 10,315,000 |
| Risk-weighted assets | 60,518,000 | 61,705,000 | 61,778,000 | 62,581,000 |