Call reports 2013
DEAN CO-OPERATIVE BANK — 2013
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 242,174,000 | 245,522,000 | 245,266,000 | 248,537,000 |
| Total loans | 180,974,000 | 186,239,000 | 189,125,000 | 188,674,000 |
| Allowance for loan losses | 2,445,000 | 2,510,000 | 2,472,000 | 2,470,000 |
| Securities available for sale | 42,233,000 | 40,856,000 | 38,841,000 | 38,373,000 |
| Securities held to maturity | 0 | 150,000 | 149,000 | 149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,729,000 | 203,031,000 | 199,467,000 | 208,921,000 |
| Interest-bearing deposits | 160,256,000 | 158,932,000 | 156,740,000 | 161,718,000 |
| Noninterest-bearing deposits | 44,473,000 | 44,099,000 | 42,727,000 | 47,203,000 |
| Equity capital | 21,530,000 | 21,162,000 | 21,118,000 | 21,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,151,000 | 4,318,000 | 6,519,000 | 8,712,000 |
| Interest expense | 245,000 | 494,000 | 721,000 | 919,000 |
| Net interest income | 1,906,000 | 3,824,000 | 5,798,000 | 7,793,000 |
| Noninterest income | 773,000 | 1,484,000 | 2,099,000 | 2,775,000 |
| Noninterest expense | 2,230,000 | 4,476,000 | 6,622,000 | 8,938,000 |
| Provision for loan losses | 120,000 | 190,000 | 270,000 | 370,000 |
| Pretax income | 329,000 | 642,000 | 1,005,000 | 1,281,000 |
| Income tax | 88,000 | 160,000 | 259,000 | 321,000 |
| Net income | 241,000 | 482,000 | 746,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,596,000 | 20,837,000 | 21,104,000 | 21,322,000 |
| Total capital | 22,434,000 | 22,741,000 | 23,045,000 | 23,274,000 |
| Risk-weighted assets | 146,437,000 | 151,689,000 | 154,719,000 | 155,622,000 |