Call reports 2006
DEAN CO-OPERATIVE BANK — 2006
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 210,153,000 | 217,205,000 | 219,194,000 | 218,334,000 |
| Total loans | 175,672,000 | 184,428,000 | 186,545,000 | 184,478,000 |
| Allowance for loan losses | 1,033,000 | 1,053,000 | 1,058,000 | 1,058,000 |
| Securities available for sale | 13,315,000 | 12,137,000 | 13,364,000 | 13,520,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,391,000 | 156,381,000 | 153,988,000 | 155,019,000 |
| Interest-bearing deposits | 128,031,000 | 126,395,000 | 128,427,000 | 127,999,000 |
| Noninterest-bearing deposits | 28,360,000 | 29,986,000 | 25,561,000 | 27,020,000 |
| Equity capital | 15,136,000 | 15,222,000 | 15,547,000 | 15,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,870,000 | 5,856,000 | 9,044,000 | 12,224,000 |
| Interest expense | 1,004,000 | 2,142,000 | 3,482,000 | 4,921,000 |
| Net interest income | 1,866,000 | 3,714,000 | 5,562,000 | 7,303,000 |
| Noninterest income | 248,000 | 582,000 | 905,000 | 1,263,000 |
| Noninterest expense | 1,710,000 | 3,647,000 | 5,474,000 | 7,242,000 |
| Provision for loan losses | 0 | 40,000 | 75,000 | 75,000 |
| Pretax income | 404,000 | 609,000 | 918,000 | 1,249,000 |
| Income tax | 140,000 | 190,000 | 305,000 | 410,000 |
| Net income | 264,000 | 419,000 | 613,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,283,000 | 15,439,000 | 15,633,000 | 15,859,000 |
| Total capital | 16,316,000 | 16,492,000 | 16,691,000 | 16,917,000 |
| Risk-weighted assets | 140,112,000 | 146,714,000 | 148,709,000 | 146,825,000 |