Call reports 2015
EQUITABLE CO-OPERATIVE BANK — 2015
What EQUITABLE CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 104,405,000 | 103,071,000 | 104,866,000 | 101,487,000 |
| Total loans | 69,669,000 | 70,040,000 | 68,698,000 | 68,119,000 |
| Allowance for loan losses | 624,000 | 624,000 | 9,000 | 54,000 |
| Securities available for sale | 18,893,000 | 18,385,000 | 17,358,000 | 16,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,832,000 | 84,814,000 | 84,588,000 | 88,208,000 |
| Interest-bearing deposits | 77,891,000 | 76,693,000 | 77,435,000 | 77,781,000 |
| Noninterest-bearing deposits | 5,941,000 | 8,121,000 | 7,153,000 | 10,427,000 |
| Equity capital | 10,949,000 | 10,791,000 | 12,895,000 | 12,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 802,000 | 1,610,000 | 2,495,000 | 3,278,000 |
| Interest expense | 117,000 | 234,000 | 318,000 | 382,000 |
| Net interest income | 685,000 | 1,376,000 | 2,177,000 | 2,896,000 |
| Noninterest income | 115,000 | 226,000 | 385,000 | 390,000 |
| Noninterest expense | 729,000 | 1,437,000 | 2,203,000 | 2,965,000 |
| Provision for loan losses | 0 | 0 | 9,000 | 54,000 |
| Pretax income | 71,000 | 165,000 | 267,000 | 184,000 |
| Income tax | 2,000 | 3,000 | -534,000 | -527,000 |
| Net income | 69,000 | 162,000 | 801,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,707,000 | 10,722,000 | 11,573,000 | 11,477,000 |
| Total capital | 11,344,000 | 11,359,000 | 11,592,000 | 11,544,000 |
| Risk-weighted assets | 70,070,000 | 70,115,000 | 69,988,000 | 65,829,000 |