Call reports 2005
CENTRAL CO-OPERATIVE BANK — 2005
What CENTRAL CO-OPERATIVE 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 | 520,249,000 | 531,058,000 | 538,995,000 | 536,161,000 |
| Total loans | 388,603,000 | 402,681,000 | 413,837,000 | 413,787,000 |
| Allowance for loan losses | 3,681,000 | 3,731,000 | 3,783,000 | 3,783,000 |
| Securities available for sale | 108,847,000 | 106,201,000 | 101,464,000 | 97,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,654,000 | 341,067,000 | 351,985,000 | 361,224,000 |
| Interest-bearing deposits | 300,740,000 | 301,315,000 | 311,686,000 | 324,657,000 |
| Noninterest-bearing deposits | 33,914,000 | 39,752,000 | 40,299,000 | 36,567,000 |
| Equity capital | 39,934,000 | 40,791,000 | 40,680,000 | 40,848,000 |
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 | 7,114,000 | 14,495,000 | 22,149,000 | 29,863,000 |
| Interest expense | 2,965,000 | 6,134,000 | 9,444,000 | 13,019,000 |
| Net interest income | 4,149,000 | 8,361,000 | 12,705,000 | 16,844,000 |
| Noninterest income | 295,000 | 656,000 | 1,078,000 | 1,415,000 |
| Noninterest expense | 3,170,000 | 6,599,000 | 10,331,000 | 13,537,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 150,000 |
| Pretax income | 1,244,000 | 2,455,000 | 3,536,000 | 4,899,000 |
| Income tax | 304,000 | 728,000 | 1,109,000 | 1,584,000 |
| Net income | 940,000 | 1,727,000 | 2,427,000 | 3,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,758,000 | 38,303,000 | 38,866,000 | 39,567,000 |
| Total capital | 41,451,000 | 42,048,000 | 42,674,000 | 43,363,000 |
| Risk-weighted assets | 370,383,000 | 347,261,000 | 357,199,000 | 358,145,000 |