Call reports 2004
COOPERATIVE BANK — 2004
What COOPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 518,867,000 | 527,866,000 | 544,691,000 | 550,107,000 |
| Total loans | 423,563,000 | 441,093,000 | 453,677,000 | 461,009,000 |
| Allowance for loan losses | 3,639,000 | 3,919,000 | 4,156,000 | 4,353,000 |
| Securities available for sale | 48,713,000 | 45,545,000 | 45,341,000 | 44,535,000 |
| Securities held to maturity | 3,508,000 | 3,016,000 | 2,894,000 | 2,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,753,000 | 380,957,000 | 399,693,000 | 414,954,000 |
| Interest-bearing deposits | 348,296,000 | 350,384,000 | 368,874,000 | 382,198,000 |
| Noninterest-bearing deposits | 28,457,000 | 30,573,000 | 30,819,000 | 32,756,000 |
| Equity capital | 44,312,000 | 44,496,000 | 45,927,000 | 47,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,553,000 | 13,246,000 | 20,262,000 | 27,603,000 |
| Interest expense | 2,179,000 | 4,343,000 | 6,691,000 | 9,205,000 |
| Net interest income | 4,374,000 | 8,903,000 | 13,571,000 | 18,398,000 |
| Noninterest income | 1,145,000 | 2,504,000 | 3,904,000 | 5,180,000 |
| Noninterest expense | 3,881,000 | 7,787,000 | 11,686,000 | 15,514,000 |
| Provision for loan losses | 220,000 | 520,000 | 745,000 | 970,000 |
| Pretax income | 1,418,000 | 3,100,000 | 5,044,000 | 7,104,000 |
| Income tax | 480,000 | 1,019,000 | 1,656,000 | 2,344,000 |
| Net income | 938,000 | 2,081,000 | 3,388,000 | 4,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,303,000 | 43,247,000 | 44,352,000 | 45,524,000 |
| Total capital | 45,942,000 | 47,166,000 | 48,508,000 | 49,877,000 |
| Risk-weighted assets | 385,157,000 | 395,506,000 | 413,745,000 | 415,498,000 |