Call reports 2005
DEAN CO-OPERATIVE BANK — 2005
What DEAN 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 | 190,361,000 | 190,827,000 | 194,155,000 | 202,214,000 |
| Total loans | 156,130,000 | 160,115,000 | 163,697,000 | 172,176,000 |
| Allowance for loan losses | 1,038,000 | 1,035,000 | 1,035,000 | 1,033,000 |
| Securities available for sale | 13,648,000 | 13,965,000 | 12,682,000 | 13,315,000 |
| Securities held to maturity | 997,000 | 998,000 | 1,001,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,300,000 | 148,124,000 | 150,824,000 | 151,143,000 |
| Interest-bearing deposits | 122,394,000 | 122,617,000 | 125,173,000 | 124,321,000 |
| Noninterest-bearing deposits | 25,906,000 | 25,507,000 | 25,651,000 | 26,822,000 |
| Equity capital | 14,244,000 | 14,462,000 | 14,673,000 | 14,889,000 |
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 | 2,433,000 | 4,913,000 | 7,511,000 | 10,221,000 |
| Interest expense | 631,000 | 1,339,000 | 2,123,000 | 3,015,000 |
| Net interest income | 1,802,000 | 3,574,000 | 5,388,000 | 7,206,000 |
| Noninterest income | 306,000 | 609,000 | 923,000 | 1,218,000 |
| Noninterest expense | 1,625,000 | 3,422,000 | 5,150,000 | 6,812,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 483,000 | 761,000 | 1,161,000 | 1,612,000 |
| Income tax | 174,000 | 259,000 | 401,000 | 559,000 |
| Net income | 309,000 | 502,000 | 760,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,265,000 | 14,461,000 | 14,719,000 | 15,015,000 |
| Total capital | 15,303,000 | 15,496,000 | 15,754,000 | 16,048,000 |
| Risk-weighted assets | 126,811,000 | 127,813,000 | 131,425,000 | 136,936,000 |