Call reports 2005
COOPERATIVE BANK — 2005
What COOPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 596,323,000 | 667,071,000 | 715,113,000 | 745,802,000 |
| Total loans | 508,618,000 | 573,208,000 | 623,095,000 | 648,621,000 |
| Allowance for loan losses | 4,658,000 | 5,287,000 | 5,844,000 | 6,763,000 |
| Securities available for sale | 43,592,000 | 43,596,000 | 42,576,000 | 42,381,000 |
| Securities held to maturity | 2,541,000 | 2,344,000 | 2,175,000 | 2,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,358,000 | 512,550,000 | 547,453,000 | 570,398,000 |
| Interest-bearing deposits | 405,256,000 | 466,060,000 | 498,021,000 | 519,644,000 |
| Noninterest-bearing deposits | 37,102,000 | 46,490,000 | 49,432,000 | 50,754,000 |
| Equity capital | 47,626,000 | 49,118,000 | 60,158,000 | 61,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,859,000 | 17,145,000 | 27,650,000 | 39,258,000 |
| Interest expense | 2,800,000 | 6,481,000 | 10,872,000 | 15,875,000 |
| Net interest income | 5,059,000 | 10,664,000 | 16,778,000 | 23,383,000 |
| Noninterest income | 1,254,000 | 2,782,000 | 4,239,000 | 5,935,000 |
| Noninterest expense | 4,129,000 | 8,332,000 | 12,674,000 | 17,225,000 |
| Provision for loan losses | 325,000 | 975,000 | 1,550,000 | 2,485,000 |
| Pretax income | 1,859,000 | 4,139,000 | 6,793,000 | 9,608,000 |
| Income tax | 681,000 | 1,549,000 | 2,603,000 | 3,758,000 |
| Net income | 1,178,000 | 2,590,000 | 4,190,000 | 5,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,458,000 | 47,662,000 | 59,058,000 | 60,510,000 |
| Total capital | 51,116,000 | 52,949,000 | 64,902,000 | 67,273,000 |
| Risk-weighted assets | 450,286,000 | 512,741,000 | 583,702,000 | 619,753,000 |