Call reports 2009
DEAN CO-OPERATIVE BANK — 2009
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 230,075,000 | 228,889,000 | 224,858,000 | 221,495,000 |
| Total loans | 176,598,000 | 174,748,000 | 172,664,000 | 167,575,000 |
| Allowance for loan losses | 1,174,000 | 1,235,000 | 1,411,000 | 1,495,000 |
| Securities available for sale | 26,414,000 | 33,974,000 | 32,434,000 | 32,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,595,000 | 171,232,000 | 168,938,000 | 170,886,000 |
| Interest-bearing deposits | 139,416,000 | 140,948,000 | 138,703,000 | 139,088,000 |
| Noninterest-bearing deposits | 28,179,000 | 30,284,000 | 30,235,000 | 31,798,000 |
| Equity capital | 16,433,000 | 16,569,000 | 16,922,000 | 17,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,782,000 | 5,498,000 | 8,159,000 | 10,746,000 |
| Interest expense | 1,139,000 | 2,211,000 | 3,127,000 | 3,964,000 |
| Net interest income | 1,643,000 | 3,287,000 | 5,032,000 | 6,782,000 |
| Noninterest income | 645,000 | 1,379,000 | 1,946,000 | 2,562,000 |
| Noninterest expense | 1,918,000 | 3,869,000 | 5,768,000 | 7,856,000 |
| Provision for loan losses | 280,000 | 340,000 | 550,000 | 745,000 |
| Pretax income | 90,000 | 457,000 | 713,000 | 796,000 |
| Income tax | 19,000 | 156,000 | 236,000 | 220,000 |
| Net income | 71,000 | 301,000 | 477,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,128,000 | 16,341,000 | 16,514,000 | 16,611,000 |
| Total capital | 17,302,000 | 17,576,000 | 17,925,000 | 18,106,000 |
| Risk-weighted assets | 144,157,000 | 147,614,000 | 146,923,000 | 147,330,000 |