Call reports 2003
CENTRAL CO-OPERATIVE BANK — 2003
What CENTRAL CO-OPERATIVE 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 | 476,827,000 | 476,526,000 | 477,962,000 | 477,670,000 |
| Total loans | 390,464,000 | 377,929,000 | 354,126,000 | 358,990,000 |
| Allowance for loan losses | 3,284,000 | 3,354,000 | 3,389,000 | 3,473,000 |
| Securities available for sale | 61,263,000 | 60,905,000 | 58,380,000 | 93,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,096,000 | 288,021,000 | 286,456,000 | 288,769,000 |
| Interest-bearing deposits | 257,881,000 | 255,415,000 | 253,809,000 | 258,832,000 |
| Noninterest-bearing deposits | 31,215,000 | 32,606,000 | 32,647,000 | 29,937,000 |
| Equity capital | 36,326,000 | 37,792,000 | 38,635,000 | 41,593,000 |
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 | 7,559,000 | 14,593,000 | 21,425,000 | 28,013,000 |
| Interest expense | 3,074,000 | 6,030,000 | 8,945,000 | 11,828,000 |
| Net interest income | 4,485,000 | 8,563,000 | 12,480,000 | 16,185,000 |
| Noninterest income | 920,000 | 1,322,000 | 1,604,000 | 1,888,000 |
| Noninterest expense | 3,461,000 | 6,431,000 | 9,373,000 | 12,414,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 150,000 |
| Pretax income | 1,831,000 | 3,286,000 | 4,363,000 | 5,261,000 |
| Income tax | 1,485,000 | 1,663,000 | 2,055,000 | 2,401,000 |
| Net income | 346,000 | 1,623,000 | 2,308,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,665,000 | 33,367,000 | 34,279,000 | 37,271,000 |
| Total capital | 35,949,000 | 36,721,000 | 37,668,000 | 40,881,000 |
| Risk-weighted assets | 324,375,000 | 324,050,000 | 320,454,000 | 331,912,000 |