Call reports 2014
DEAN CO-OPERATIVE BANK — 2014
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 249,559,000 | 248,860,000 | 248,622,000 | 253,042,000 |
| Total loans | 188,324,000 | 189,732,000 | 190,570,000 | 189,354,000 |
| Allowance for loan losses | 2,497,000 | 2,492,000 | 2,487,000 | 2,387,000 |
| Securities available for sale | 36,951,000 | 36,457,000 | 37,041,000 | 34,701,000 |
| Securities held to maturity | 1,148,000 | 1,884,000 | 1,882,000 | 1,880,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,610,000 | 217,918,000 | 211,957,000 | 213,987,000 |
| Interest-bearing deposits | 169,819,000 | 167,394,000 | 163,840,000 | 163,982,000 |
| Noninterest-bearing deposits | 45,791,000 | 50,524,000 | 48,117,000 | 50,005,000 |
| Equity capital | 21,595,000 | 22,077,000 | 22,339,000 | 22,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,232,000 | 4,432,000 | 6,627,000 | 8,830,000 |
| Interest expense | 190,000 | 359,000 | 537,000 | 709,000 |
| Net interest income | 2,042,000 | 4,073,000 | 6,090,000 | 8,121,000 |
| Noninterest income | 535,000 | 1,138,000 | 1,712,000 | 2,367,000 |
| Noninterest expense | 2,249,000 | 4,462,000 | 6,738,000 | 9,014,000 |
| Provision for loan losses | 80,000 | 80,000 | 120,000 | 230,000 |
| Pretax income | 295,000 | 701,000 | 976,000 | 1,276,000 |
| Income tax | 67,000 | 177,000 | 244,000 | 325,000 |
| Net income | 228,000 | 524,000 | 732,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,556,000 | 21,857,000 | 22,066,000 | 22,291,000 |
| Total capital | 23,490,000 | 23,816,000 | 24,054,000 | 24,233,000 |
| Risk-weighted assets | 154,116,000 | 156,209,000 | 158,505,000 | 154,933,000 |