Call reports 2007
COOPERATIVE BANK — 2007
What COOPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 864,752,000 | 891,466,000 | 921,498,000 | 926,359,000 |
| Total loans | 770,255,000 | 795,784,000 | 816,546,000 | 823,784,000 |
| Allowance for loan losses | 8,085,000 | 8,367,000 | 8,745,000 | 8,788,000 |
| Securities available for sale | 42,402,000 | 41,911,000 | 42,265,000 | 40,810,000 |
| Securities held to maturity | 1,671,000 | 1,599,000 | 4,564,000 | 4,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 665,816,000 | 691,586,000 | 708,783,000 | 715,458,000 |
| Interest-bearing deposits | 616,672,000 | 640,200,000 | 656,133,000 | 671,920,000 |
| Noninterest-bearing deposits | 49,145,000 | 51,386,000 | 52,650,000 | 43,538,000 |
| Equity capital | 74,752,000 | 76,642,000 | 78,776,000 | 80,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,466,000 | 31,407,000 | 48,105,000 | 64,578,000 |
| Interest expense | 8,066,000 | 16,536,000 | 25,549,000 | 34,653,000 |
| Net interest income | 7,400,000 | 14,871,000 | 22,556,000 | 29,925,000 |
| Noninterest income | 1,335,000 | 2,559,000 | 3,731,000 | 4,894,000 |
| Noninterest expense | 4,900,000 | 9,744,000 | 14,736,000 | 19,749,000 |
| Provision for loan losses | 300,000 | 650,000 | 1,000,000 | 1,450,000 |
| Pretax income | 3,535,000 | 7,036,000 | 10,551,000 | 13,620,000 |
| Income tax | 1,197,000 | 2,399,000 | 3,566,000 | 4,597,000 |
| Net income | 2,338,000 | 4,637,000 | 6,985,000 | 9,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,628,000 | 75,704,000 | 73,246,000 | 74,705,000 |
| Total capital | 81,713,000 | 84,071,000 | 81,991,000 | 83,493,000 |
| Risk-weighted assets | 733,587,000 | 751,324,000 | 767,914,000 | 774,498,000 |