Call reports 2005
COLONIAL CO-OPERATIVE BANK — 2005
What COLONIAL CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 71,406,000 | 70,907,000 | 71,013,000 | 71,058,000 |
| Total loans | 55,618,000 | 56,037,000 | 57,264,000 | 57,529,000 |
| Allowance for loan losses | 417,000 | 419,000 | 429,000 | 440,000 |
| Securities available for sale | 1,992,000 | 3,026,000 | 1,437,000 | 1,170,000 |
| Securities held to maturity | 4,486,000 | 3,496,000 | 4,500,000 | 4,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,187,000 | 62,276,000 | 62,385,000 | 62,310,000 |
| Interest-bearing deposits | 59,746,000 | 59,203,000 | 58,584,000 | 58,828,000 |
| Noninterest-bearing deposits | 3,441,000 | 3,073,000 | 3,801,000 | 3,482,000 |
| Equity capital | 7,914,000 | 8,165,000 | 8,148,000 | 8,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 931,000 | 1,880,000 | 2,854,000 | 3,838,000 |
| Interest expense | 310,000 | 626,000 | 959,000 | 1,307,000 |
| Net interest income | 621,000 | 1,254,000 | 1,895,000 | 2,531,000 |
| Noninterest income | 66,000 | 468,000 | 557,000 | 626,000 |
| Noninterest expense | 578,000 | 1,195,000 | 1,845,000 | 2,482,000 |
| Provision for loan losses | 10,000 | 19,000 | 34,000 | 49,000 |
| Pretax income | 99,000 | 508,000 | 573,000 | 626,000 |
| Income tax | 31,000 | 203,000 | 229,000 | 249,000 |
| Net income | 68,000 | 305,000 | 344,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,494,000 | 7,731,000 | 7,770,000 | 7,803,000 |
| Total capital | 8,226,000 | 8,475,000 | 8,483,000 | 8,569,000 |
| Risk-weighted assets | 39,772,000 | 41,192,000 | 40,714,000 | 40,795,000 |