Call reports 2006
COOPER STATE BANK — 2006
What COOPER STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 14,597,000 | 16,428,000 | 19,268,000 | 19,810,000 |
| Total loans | 3,900,000 | 8,071,000 | 10,173,000 | 13,443,000 |
| Allowance for loan losses | 41,000 | 83,000 | 109,000 | 139,000 |
| Securities available for sale | 0 | 968,000 | 967,000 | 946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,874,000 | 8,001,000 | 11,039,000 | 11,753,000 |
| Interest-bearing deposits | 5,003,000 | 5,901,000 | 9,344,000 | 10,382,000 |
| Noninterest-bearing deposits | 871,000 | 2,100,000 | 1,695,000 | 1,371,000 |
| Equity capital | 8,633,000 | 8,345,000 | 8,165,000 | 7,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 157,000 | 362,000 | 633,000 | 943,000 |
| Interest expense | 43,000 | 101,000 | 198,000 | 324,000 |
| Net interest income | 114,000 | 261,000 | 435,000 | 619,000 |
| Noninterest income | 24,000 | 68,000 | 122,000 | 180,000 |
| Noninterest expense | 381,000 | 802,000 | 1,256,000 | 1,672,000 |
| Provision for loan losses | 21,000 | 63,000 | 88,000 | 118,000 |
| Pretax income | -264,000 | -536,000 | -787,000 | -991,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -264,000 | -536,000 | -787,000 | -991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,633,000 | 8,345,000 | 8,160,000 | 7,955,000 |
| Total capital | 8,674,000 | 8,428,000 | 8,268,000 | 8,094,000 |
| Risk-weighted assets | 5,144,000 | 8,707,000 | 11,006,000 | 13,220,000 |