Call reports 2003
COLONIAL CO-OPERATIVE BANK — 2003
What COLONIAL CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 71,115,000 | 72,091,000 | 71,076,000 | 70,840,000 |
| Total loans | 48,618,000 | 50,202,000 | 52,895,000 | 54,447,000 |
| Allowance for loan losses | 394,000 | 388,000 | 395,000 | 398,000 |
| Securities available for sale | 6,745,000 | 6,765,000 | 7,803,000 | 3,189,000 |
| Securities held to maturity | 4,012,000 | 4,008,000 | 3,006,000 | 4,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,365,000 | 64,314,000 | 63,143,000 | 62,779,000 |
| Interest-bearing deposits | 60,326,000 | 61,255,000 | 60,185,000 | 60,038,000 |
| Noninterest-bearing deposits | 3,039,000 | 3,059,000 | 2,958,000 | 2,741,000 |
| Equity capital | 7,443,000 | 7,474,000 | 7,561,000 | 7,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 992,000 | 1,988,000 | 2,988,000 | 3,955,000 |
| Interest expense | 368,000 | 723,000 | 1,049,000 | 1,352,000 |
| Net interest income | 624,000 | 1,265,000 | 1,939,000 | 2,603,000 |
| Noninterest income | 71,000 | 118,000 | 200,000 | 271,000 |
| Noninterest expense | 548,000 | 1,125,000 | 1,732,000 | 2,373,000 |
| Provision for loan losses | 5,000 | 13,000 | 24,000 | 36,000 |
| Pretax income | 142,000 | 245,000 | 383,000 | 465,000 |
| Income tax | 21,000 | 66,000 | 121,000 | 150,000 |
| Net income | 121,000 | 179,000 | 262,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,080,000 | 7,138,000 | 7,221,000 | 7,274,000 |
| Total capital | 7,740,000 | 7,778,000 | 7,871,000 | 7,961,000 |
| Risk-weighted assets | 39,866,000 | 40,689,000 | 41,928,000 | 39,443,000 |