Call reports 2003
COOPERATIVE BANK — 2003
What COOPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 512,572,000 | 521,998,000 | 496,385,000 | 502,306,000 |
| Total loans | 424,835,000 | 425,159,000 | 405,444,000 | 411,065,000 |
| Allowance for loan losses | 2,997,000 | 3,111,000 | 3,284,000 | 3,447,000 |
| Securities available for sale | 40,225,000 | 35,742,000 | 44,570,000 | 43,613,000 |
| Securities held to maturity | 7,593,000 | 6,723,000 | 4,007,000 | 3,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,409,000 | 374,038,000 | 363,314,000 | 367,273,000 |
| Interest-bearing deposits | 351,666,000 | 346,257,000 | 338,540,000 | 340,463,000 |
| Noninterest-bearing deposits | 23,743,000 | 27,781,000 | 24,774,000 | 26,810,000 |
| Equity capital | 39,858,000 | 41,078,000 | 42,308,000 | 43,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,184,000 | 14,300,000 | 21,173,000 | 27,827,000 |
| Interest expense | 2,930,000 | 5,724,000 | 8,364,000 | 10,686,000 |
| Net interest income | 4,254,000 | 8,576,000 | 12,809,000 | 17,141,000 |
| Noninterest income | 1,554,000 | 3,393,000 | 5,212,000 | 6,474,000 |
| Noninterest expense | 3,587,000 | 7,435,000 | 11,150,000 | 14,868,000 |
| Provision for loan losses | 200,000 | 380,000 | 560,000 | 740,000 |
| Pretax income | 2,021,000 | 4,154,000 | 6,311,000 | 8,058,000 |
| Income tax | 619,000 | 1,314,000 | 2,026,000 | 2,590,000 |
| Net income | 1,402,000 | 2,840,000 | 4,285,000 | 5,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,622,000 | 39,118,000 | 40,444,000 | 41,486,000 |
| Total capital | 41,619,000 | 42,229,000 | 43,728,000 | 44,933,000 |
| Risk-weighted assets | 374,698,000 | 376,282,000 | 363,795,000 | 370,895,000 |