Call reports 2004
DEAN CO-OPERATIVE BANK — 2004
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 167,869,000 | 177,602,000 | 182,836,000 | 188,007,000 |
| Total loans | 131,243,000 | 139,384,000 | 150,780,000 | 156,518,000 |
| Allowance for loan losses | 1,035,000 | 1,040,000 | 1,037,000 | 1,037,000 |
| Securities available for sale | 19,165,000 | 17,989,000 | 15,023,000 | 13,701,000 |
| Securities held to maturity | 2,004,000 | 2,001,000 | 1,999,000 | 1,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,018,000 | 142,222,000 | 140,828,000 | 139,470,000 |
| Interest-bearing deposits | 116,417,000 | 116,539,000 | 115,515,000 | 115,563,000 |
| Noninterest-bearing deposits | 24,601,000 | 25,683,000 | 25,313,000 | 23,907,000 |
| Equity capital | 13,305,000 | 13,340,000 | 13,761,000 | 14,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,234,000 | 6,505,000 | 8,835,000 |
| Interest expense | 408,000 | 823,000 | 1,294,000 | 1,832,000 |
| Net interest income | 1,691,000 | 3,411,000 | 5,211,000 | 7,003,000 |
| Noninterest income | 257,000 | 540,000 | 868,000 | 1,203,000 |
| Noninterest expense | 1,495,000 | 3,094,000 | 4,661,000 | 6,284,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 459,000 | 862,000 | 1,423,000 | 1,927,000 |
| Income tax | 175,000 | 346,000 | 555,000 | 743,000 |
| Net income | 284,000 | 516,000 | 868,000 | 1,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,048,000 | 13,283,000 | 13,637,000 | 13,954,000 |
| Total capital | 14,083,000 | 14,323,000 | 14,674,000 | 14,991,000 |
| Risk-weighted assets | 111,710,000 | 116,039,000 | 120,185,000 | 125,300,000 |