Call reports 2006
CENTRAL CO-OPERATIVE BANK — 2006
What CENTRAL CO-OPERATIVE 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 | 546,471,000 | 544,616,000 | 555,224,000 | 565,313,000 |
| Total loans | 415,364,000 | 412,267,000 | 434,700,000 | 456,813,000 |
| Allowance for loan losses | 3,788,000 | 3,843,000 | 3,850,000 | 3,847,000 |
| Securities available for sale | 97,577,000 | 88,894,000 | 94,227,000 | 85,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,967,000 | 410,245,000 | 390,284,000 | 388,928,000 |
| Interest-bearing deposits | 354,057,000 | 367,356,000 | 343,025,000 | 331,495,000 |
| Noninterest-bearing deposits | 40,910,000 | 42,889,000 | 47,259,000 | 57,433,000 |
| Equity capital | 40,834,000 | 40,584,000 | 41,712,000 | 42,796,000 |
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 | 7,711,000 | 15,208,000 | 23,460,000 | 31,838,000 |
| Interest expense | 3,781,000 | 7,627,000 | 11,922,000 | 16,582,000 |
| Net interest income | 3,930,000 | 7,581,000 | 11,538,000 | 15,256,000 |
| Noninterest income | 319,000 | 682,000 | 995,000 | 1,312,000 |
| Noninterest expense | 3,483,000 | 7,179,000 | 10,835,000 | 14,022,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 879,000 | 1,259,000 | 1,989,000 | 2,968,000 |
| Income tax | 279,000 | 410,000 | 662,000 | 1,000,000 |
| Net income | 600,000 | 849,000 | 1,327,000 | 1,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,882,000 | 39,859,000 | 40,068,000 | 40,894,000 |
| Total capital | 43,684,000 | 43,702,000 | 43,950,000 | 44,893,000 |
| Risk-weighted assets | 359,438,000 | 353,746,000 | 364,430,000 | 375,328,000 |