Call reports 2007
CENTRAL CO-OPERATIVE BANK — 2007
What CENTRAL CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 565,255,000 | 548,307,000 | 552,198,000 | 554,269,000 |
| Total loans | 461,117,000 | 459,143,000 | 458,200,000 | 467,820,000 |
| Allowance for loan losses | 3,881,000 | 3,848,000 | 3,378,000 | 3,379,000 |
| Securities available for sale | 65,790,000 | 66,094,000 | 67,429,000 | 56,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,439,000 | 376,082,000 | 360,667,000 | 356,472,000 |
| Interest-bearing deposits | 349,934,000 | 335,196,000 | 322,275,000 | 320,724,000 |
| Noninterest-bearing deposits | 40,505,000 | 40,886,000 | 38,392,000 | 35,748,000 |
| Equity capital | 39,963,000 | 40,225,000 | 41,426,000 | 42,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,212,000 | 16,264,000 | 24,210,000 | 32,296,000 |
| Interest expense | 4,773,000 | 9,411,000 | 14,040,000 | 18,582,000 |
| Net interest income | 3,439,000 | 6,853,000 | 10,170,000 | 13,714,000 |
| Noninterest income | 352,000 | 748,000 | 1,095,000 | 1,499,000 |
| Noninterest expense | 3,814,000 | 7,269,000 | 10,523,000 | 13,783,000 |
| Provision for loan losses | 30,000 | 30,000 | -270,000 | -270,000 |
| Pretax income | 169,000 | 640,000 | 1,522,000 | 2,569,000 |
| Income tax | 58,000 | 188,000 | 488,000 | 787,000 |
| Net income | 111,000 | 452,000 | 1,034,000 | 1,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,826,000 | 38,196,000 | 38,988,000 | 39,686,000 |
| Total capital | 41,822,000 | 42,223,000 | 42,589,000 | 43,226,000 |
| Risk-weighted assets | 384,986,000 | 387,739,000 | 393,859,000 | 403,701,000 |