Call reports 2016
DEAN CO-OPERATIVE BANK — 2016
What DEAN CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 271,101,000 | 275,534,000 | 282,619,000 | 279,432,000 |
| Total loans | 194,768,000 | 195,733,000 | 203,054,000 | 203,289,000 |
| Allowance for loan losses | 2,393,000 | 2,410,000 | 2,391,000 | 2,413,000 |
| Securities available for sale | 47,585,000 | 48,276,000 | 48,402,000 | 45,759,000 |
| Securities held to maturity | 4,202,000 | 4,200,000 | 4,197,000 | 4,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,350,000 | 236,632,000 | 242,188,000 | 242,407,000 |
| Interest-bearing deposits | 169,775,000 | 171,835,000 | 173,312,000 | 176,172,000 |
| Noninterest-bearing deposits | 62,575,000 | 64,797,000 | 68,876,000 | 66,235,000 |
| Equity capital | 24,145,000 | 24,759,000 | 25,106,000 | 24,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,290,000 | 4,608,000 | 6,928,000 | 9,269,000 |
| Interest expense | 156,000 | 306,000 | 458,000 | 616,000 |
| Net interest income | 2,134,000 | 4,302,000 | 6,470,000 | 8,653,000 |
| Noninterest income | 625,000 | 1,344,000 | 2,102,000 | 2,881,000 |
| Noninterest expense | 2,302,000 | 4,661,000 | 6,993,000 | 9,401,000 |
| Provision for loan losses | 40,000 | 55,000 | 55,000 | 100,000 |
| Pretax income | 421,000 | 944,000 | 1,538,000 | 2,047,000 |
| Income tax | 115,000 | 260,000 | 410,000 | 585,000 |
| Net income | 306,000 | 684,000 | 1,128,000 | 1,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,713,000 | 24,091,000 | 24,536,000 | 24,870,000 |
| Total capital | 25,850,000 | 26,361,000 | 26,792,000 | 27,042,000 |
| Risk-weighted assets | 170,676,000 | 181,418,000 | 180,436,000 | 173,471,000 |