Call reports 2015
DEAN CO-OPERATIVE BANK — 2015
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 256,999,000 | 257,036,000 | 261,439,000 | 268,158,000 |
| Total loans | 186,601,000 | 185,763,000 | 188,599,000 | 190,511,000 |
| Allowance for loan losses | 2,407,000 | 2,429,000 | 2,422,000 | 2,427,000 |
| Securities available for sale | 34,612,000 | 34,489,000 | 41,864,000 | 46,511,000 |
| Securities held to maturity | 1,878,000 | 1,877,000 | 3,451,000 | 3,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,821,000 | 220,934,000 | 223,856,000 | 228,465,000 |
| Interest-bearing deposits | 166,337,000 | 168,101,000 | 166,092,000 | 167,554,000 |
| Noninterest-bearing deposits | 53,484,000 | 52,833,000 | 57,764,000 | 60,911,000 |
| Equity capital | 23,113,000 | 23,075,000 | 23,507,000 | 23,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,211,000 | 4,370,000 | 6,556,000 | 8,804,000 |
| Interest expense | 161,000 | 316,000 | 473,000 | 621,000 |
| Net interest income | 2,050,000 | 4,054,000 | 6,083,000 | 8,183,000 |
| Noninterest income | 642,000 | 1,332,000 | 2,002,000 | 2,672,000 |
| Noninterest expense | 2,226,000 | 4,606,000 | 6,857,000 | 9,310,000 |
| Provision for loan losses | 20,000 | 40,000 | 80,000 | 120,000 |
| Pretax income | 446,000 | 740,000 | 1,148,000 | 1,425,000 |
| Income tax | 124,000 | 188,000 | 287,000 | 338,000 |
| Net income | 322,000 | 552,000 | 861,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,641,000 | 22,871,000 | 23,180,000 | 23,407,000 |
| Total capital | 24,584,000 | 25,024,000 | 25,241,000 | 25,416,000 |
| Risk-weighted assets | 154,979,000 | 171,917,000 | 164,471,000 | 160,268,000 |