Call reports 2003
DEAN CO-OPERATIVE BANK — 2003
What DEAN 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 | 152,478,000 | 156,523,000 | 164,450,000 | 169,842,000 |
| Total loans | 110,180,000 | 110,179,000 | 123,730,000 | 128,809,000 |
| Allowance for loan losses | 938,000 | 953,000 | 953,000 | 1,044,000 |
| Securities available for sale | 14,494,000 | 14,834,000 | 14,869,000 | 20,921,000 |
| Securities held to maturity | 8,049,000 | 8,042,000 | 8,034,000 | 2,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,562,000 | 138,248,000 | 138,494,000 | 140,422,000 |
| Interest-bearing deposits | 110,585,000 | 114,525,000 | 116,514,000 | 117,356,000 |
| Noninterest-bearing deposits | 23,977,000 | 23,723,000 | 21,980,000 | 23,066,000 |
| Equity capital | 12,100,000 | 12,530,000 | 12,743,000 | 13,042,000 |
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 | 2,015,000 | 4,025,000 | 6,024,000 | 8,141,000 |
| Interest expense | 483,000 | 957,000 | 1,377,000 | 1,788,000 |
| Net interest income | 1,532,000 | 3,068,000 | 4,647,000 | 6,353,000 |
| Noninterest income | 467,000 | 973,000 | 1,287,000 | 1,559,000 |
| Noninterest expense | 1,434,000 | 2,949,000 | 4,383,000 | 5,889,000 |
| Provision for loan losses | 15,000 | 30,000 | 83,000 | 169,000 |
| Pretax income | 550,000 | 1,043,000 | 1,450,000 | 1,847,000 |
| Income tax | 212,000 | 369,000 | 511,000 | 654,000 |
| Net income | 338,000 | 674,000 | 939,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,909,000 | 12,239,000 | 12,507,000 | 12,763,000 |
| Total capital | 12,852,000 | 13,197,000 | 13,463,000 | 13,809,000 |
| Risk-weighted assets | 100,167,000 | 101,716,000 | 108,772,000 | 112,468,000 |