Call reports 2008
CENTRAL CO-OPERATIVE BANK — 2008
What CENTRAL CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 570,835,000 | 563,883,000 | 541,366,000 | 551,644,000 |
| Total loans | 475,137,000 | 476,123,000 | 463,940,000 | 456,284,000 |
| Allowance for loan losses | 3,613,000 | 3,809,000 | 4,674,000 | 4,600,000 |
| Securities available for sale | 53,139,000 | 50,568,000 | 36,575,000 | 37,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,686,000 | 363,550,000 | 356,041,000 | 353,491,000 |
| Interest-bearing deposits | 324,522,000 | 323,919,000 | 315,565,000 | 314,680,000 |
| Noninterest-bearing deposits | 38,164,000 | 39,631,000 | 40,477,000 | 38,811,000 |
| Equity capital | 42,127,000 | 41,520,000 | 32,061,000 | 43,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,067,000 | 15,944,000 | 23,755,000 | 31,186,000 |
| Interest expense | 4,453,000 | 8,364,000 | 11,934,000 | 15,402,000 |
| Net interest income | 3,614,000 | 7,580,000 | 11,821,000 | 15,784,000 |
| Noninterest income | 371,000 | 817,000 | 1,219,000 | 1,639,000 |
| Noninterest expense | 3,542,000 | 7,052,000 | 10,552,000 | 14,225,000 |
| Provision for loan losses | 230,000 | 430,000 | 1,330,000 | 1,330,000 |
| Pretax income | 211,000 | 883,000 | -8,382,000 | -7,672,000 |
| Income tax | 26,000 | 213,000 | 324,000 | -2,985,000 |
| Net income | 185,000 | 670,000 | -8,706,000 | -4,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,033,000 | 39,472,000 | 30,405,000 | 36,561,000 |
| Total capital | 43,646,000 | 43,281,000 | 35,105,000 | 41,161,000 |
| Risk-weighted assets | 415,645,000 | 413,254,000 | 385,053,000 | 374,954,000 |