Call reports 2004
CENTRAL CO-OPERATIVE BANK — 2004
What CENTRAL CO-OPERATIVE 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 | 489,796,000 | 506,831,000 | 503,636,000 | 508,671,000 |
| Total loans | 357,424,000 | 355,792,000 | 358,306,000 | 374,559,000 |
| Allowance for loan losses | 3,537,000 | 3,599,000 | 3,606,000 | 3,621,000 |
| Securities available for sale | 107,895,000 | 120,582,000 | 113,996,000 | 113,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,253,000 | 315,655,000 | 317,676,000 | 315,854,000 |
| Interest-bearing deposits | 269,694,000 | 284,593,000 | 285,162,000 | 280,510,000 |
| Noninterest-bearing deposits | 27,559,000 | 31,062,000 | 32,514,000 | 35,344,000 |
| Equity capital | 42,217,000 | 41,163,000 | 39,808,000 | 40,504,000 |
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 | 6,709,000 | 13,353,000 | 20,290,000 | 27,271,000 |
| Interest expense | 2,865,000 | 5,772,000 | 8,749,000 | 11,719,000 |
| Net interest income | 3,844,000 | 7,581,000 | 11,541,000 | 15,552,000 |
| Noninterest income | 219,000 | 497,000 | 765,000 | 1,045,000 |
| Noninterest expense | 3,532,000 | 6,807,000 | 10,171,000 | 13,349,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 481,000 | 1,305,000 | 2,383,000 | 3,581,000 |
| Income tax | 181,000 | 476,000 | 857,000 | 1,279,000 |
| Net income | 300,000 | 829,000 | 1,526,000 | 2,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,692,000 | 37,849,000 | 36,091,000 | 37,029,000 |
| Total capital | 41,376,000 | 41,510,000 | 39,697,000 | 40,732,000 |
| Risk-weighted assets | 350,739,000 | 348,829,000 | 344,060,000 | 351,619,000 |