Call reports 2012
DEAN CO-OPERATIVE BANK — 2012
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 234,468,000 | 230,775,000 | 228,572,000 | 230,045,000 |
| Total loans | 171,438,000 | 169,220,000 | 168,341,000 | 170,549,000 |
| Allowance for loan losses | 2,025,000 | 2,203,000 | 2,244,000 | 2,425,000 |
| Securities available for sale | 40,687,000 | 40,724,000 | 40,512,000 | 40,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,436,000 | 192,553,000 | 193,205,000 | 196,956,000 |
| Interest-bearing deposits | 151,429,000 | 152,410,000 | 152,095,000 | 154,780,000 |
| Noninterest-bearing deposits | 40,007,000 | 40,143,000 | 41,110,000 | 42,176,000 |
| Equity capital | 19,622,000 | 20,285,000 | 20,874,000 | 21,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,281,000 | 4,694,000 | 6,896,000 | 9,073,000 |
| Interest expense | 310,000 | 618,000 | 917,000 | 1,185,000 |
| Net interest income | 1,971,000 | 4,076,000 | 5,979,000 | 7,888,000 |
| Noninterest income | 665,000 | 1,635,000 | 2,612,000 | 3,837,000 |
| Noninterest expense | 2,055,000 | 4,181,000 | 6,152,000 | 8,271,000 |
| Provision for loan losses | 175,000 | 420,000 | 570,000 | 750,000 |
| Pretax income | 461,000 | 1,205,000 | 1,964,000 | 2,799,000 |
| Income tax | 140,000 | 393,000 | 651,000 | 924,000 |
| Net income | 321,000 | 812,000 | 1,313,000 | 1,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,811,000 | 19,296,000 | 19,796,000 | 20,356,000 |
| Total capital | 20,620,000 | 21,127,000 | 21,615,000 | 22,179,000 |
| Risk-weighted assets | 144,519,000 | 146,062,000 | 145,078,000 | 145,231,000 |