Call reports 2007
DEAN CO-OPERATIVE BANK — 2007
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 219,201,000 | 214,934,000 | 214,306,000 | 214,817,000 |
| Total loans | 182,124,000 | 180,313,000 | 178,860,000 | 178,536,000 |
| Allowance for loan losses | 1,058,000 | 1,040,000 | 1,035,000 | 1,065,000 |
| Securities available for sale | 14,024,000 | 16,890,000 | 17,304,000 | 17,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,645,000 | 156,335,000 | 150,465,000 | 151,562,000 |
| Interest-bearing deposits | 131,079,000 | 128,902,000 | 123,621,000 | 125,162,000 |
| Noninterest-bearing deposits | 26,566,000 | 27,433,000 | 26,844,000 | 26,400,000 |
| Equity capital | 16,025,000 | 16,068,000 | 16,333,000 | 16,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,179,000 | 6,388,000 | 9,587,000 | 12,702,000 |
| Interest expense | 1,451,000 | 2,933,000 | 4,406,000 | 5,910,000 |
| Net interest income | 1,728,000 | 3,455,000 | 5,181,000 | 6,792,000 |
| Noninterest income | 341,000 | 727,000 | 1,090,000 | 1,532,000 |
| Noninterest expense | 1,761,000 | 3,700,000 | 5,516,000 | 7,342,000 |
| Provision for loan losses | 0 | 0 | 105,000 | 135,000 |
| Pretax income | 308,000 | 482,000 | 650,000 | 849,000 |
| Income tax | 95,000 | 118,000 | 144,000 | 193,000 |
| Net income | 213,000 | 364,000 | 506,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,073,000 | 16,225,000 | 16,366,000 | 16,516,000 |
| Total capital | 17,131,000 | 17,265,000 | 17,401,000 | 17,581,000 |
| Risk-weighted assets | 146,377,000 | 144,784,000 | 144,271,000 | 143,814,000 |