Call reports 2008
DEAN CO-OPERATIVE BANK — 2008
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 217,122,000 | 221,290,000 | 221,932,000 | 223,503,000 |
| Total loans | 178,272,000 | 179,120,000 | 180,892,000 | 180,111,000 |
| Allowance for loan losses | 1,085,000 | 1,152,000 | 1,724,000 | 1,172,000 |
| Securities available for sale | 17,690,000 | 20,040,000 | 23,760,000 | 24,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,674,000 | 158,045,000 | 155,001,000 | 155,023,000 |
| Interest-bearing deposits | 130,175,000 | 128,455,000 | 129,273,000 | 127,821,000 |
| Noninterest-bearing deposits | 26,499,000 | 29,590,000 | 25,728,000 | 27,202,000 |
| Equity capital | 16,792,000 | 16,376,000 | 16,146,000 | 16,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,010,000 | 5,965,000 | 8,908,000 | 11,833,000 |
| Interest expense | 1,457,000 | 2,814,000 | 4,092,000 | 5,322,000 |
| Net interest income | 1,553,000 | 3,151,000 | 4,816,000 | 6,511,000 |
| Noninterest income | 430,000 | 838,000 | 1,232,000 | 1,603,000 |
| Noninterest expense | 1,841,000 | 3,809,000 | 5,749,000 | 7,917,000 |
| Provision for loan losses | 35,000 | 150,000 | 700,000 | 733,000 |
| Pretax income | 107,000 | 30,000 | -401,000 | -536,000 |
| Income tax | 6,000 | -27,000 | -188,000 | -251,000 |
| Net income | 101,000 | 57,000 | -213,000 | -285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,615,000 | 16,412,000 | 16,143,000 | 16,069,000 |
| Total capital | 17,700,000 | 17,564,000 | 17,867,000 | 17,241,000 |
| Risk-weighted assets | 144,989,000 | 146,631,000 | 147,279,000 | 149,506,000 |