Call reports 2010
DEAN CO-OPERATIVE BANK — 2010
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 226,261,000 | 224,585,000 | 220,942,000 | 218,101,000 |
| Total loans | 167,950,000 | 166,919,000 | 164,305,000 | 162,513,000 |
| Allowance for loan losses | 1,440,000 | 1,576,000 | 1,824,000 | 1,986,000 |
| Securities available for sale | 33,982,000 | 35,451,000 | 35,031,000 | 34,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,788,000 | 178,435,000 | 178,635,000 | 180,790,000 |
| Interest-bearing deposits | 148,262,000 | 146,724,000 | 147,552,000 | 146,933,000 |
| Noninterest-bearing deposits | 31,526,000 | 31,711,000 | 31,083,000 | 33,857,000 |
| Equity capital | 16,889,000 | 17,432,000 | 17,844,000 | 17,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,204,000 | 7,694,000 | 10,111,000 |
| Interest expense | 756,000 | 1,440,000 | 2,044,000 | 2,580,000 |
| Net interest income | 1,831,000 | 3,764,000 | 5,650,000 | 7,531,000 |
| Noninterest income | 496,000 | 1,074,000 | 1,812,000 | 2,813,000 |
| Noninterest expense | 1,969,000 | 3,904,000 | 5,907,000 | 7,890,000 |
| Provision for loan losses | 590,000 | 760,000 | 1,015,000 | 1,235,000 |
| Pretax income | -232,000 | 234,000 | 657,000 | 1,336,000 |
| Income tax | -127,000 | 29,000 | 162,000 | 397,000 |
| Net income | -105,000 | 205,000 | 495,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,507,000 | 16,818,000 | 17,103,000 | 17,537,000 |
| Total capital | 17,947,000 | 18,394,000 | 18,927,000 | 19,350,000 |
| Risk-weighted assets | 147,851,000 | 148,311,000 | 149,985,000 | 144,875,000 |