Call reports 2002
DEAN CO-OPERATIVE BANK — 2002
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 136,153,000 | 141,773,000 | 143,183,000 | 146,192,000 |
| Total loans | 99,512,000 | 98,745,000 | 107,146,000 | 107,690,000 |
| Allowance for loan losses | 858,000 | 869,000 | 903,000 | 915,000 |
| Securities available for sale | 9,807,000 | 11,663,000 | 10,314,000 | 14,134,000 |
| Securities held to maturity | 11,565,000 | 9,056,000 | 8,064,000 | 8,057,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,306,000 | 125,089,000 | 123,745,000 | 124,728,000 |
| Interest-bearing deposits | 100,606,000 | 104,368,000 | 102,735,000 | 104,886,000 |
| Noninterest-bearing deposits | 18,700,000 | 20,721,000 | 21,010,000 | 19,842,000 |
| Equity capital | 10,688,000 | 11,045,000 | 11,026,000 | 11,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,136,000 | 4,232,000 | 6,293,000 | 8,432,000 |
| Interest expense | 642,000 | 1,245,000 | 1,824,000 | 2,352,000 |
| Net interest income | 1,494,000 | 2,987,000 | 4,469,000 | 6,080,000 |
| Noninterest income | 260,000 | 523,000 | 795,000 | 1,311,000 |
| Noninterest expense | 1,236,000 | 2,571,000 | 3,894,000 | 5,331,000 |
| Provision for loan losses | 15,000 | 30,000 | 65,000 | 91,000 |
| Pretax income | 503,000 | 909,000 | 1,305,000 | 1,969,000 |
| Income tax | 181,000 | 331,000 | 483,000 | 742,000 |
| Net income | 322,000 | 578,000 | 822,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,679,000 | 10,934,000 | 11,178,000 | 11,593,000 |
| Total capital | 11,541,000 | 11,808,000 | 12,086,000 | 12,514,000 |
| Risk-weighted assets | 91,926,000 | 95,333,000 | 96,553,000 | 96,934,000 |