Call reports 2009
CENTRAL CO-OPERATIVE BANK — 2009
What CENTRAL CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 575,290,000 | 559,196,000 | 540,303,000 | 558,050,000 |
| Total loans | 463,878,000 | 461,710,000 | 459,310,000 | 470,811,000 |
| Allowance for loan losses | 3,191,000 | 3,064,000 | 2,719,000 | 2,788,000 |
| Securities available for sale | 35,329,000 | 32,823,000 | 36,171,000 | 38,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,987,000 | 361,302,000 | 343,289,000 | 346,529,000 |
| Interest-bearing deposits | 330,453,000 | 317,140,000 | 302,861,000 | 303,783,000 |
| Noninterest-bearing deposits | 46,535,000 | 44,162,000 | 40,428,000 | 42,746,000 |
| Equity capital | 44,005,000 | 45,844,000 | 47,202,000 | 47,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,216,000 | 14,411,000 | 21,649,000 | 28,751,000 |
| Interest expense | 3,354,000 | 6,675,000 | 9,698,000 | 12,392,000 |
| Net interest income | 3,862,000 | 7,736,000 | 11,951,000 | 16,359,000 |
| Noninterest income | 439,000 | 966,000 | 1,363,000 | 1,810,000 |
| Noninterest expense | 3,952,000 | 7,737,000 | 11,124,000 | 15,018,000 |
| Provision for loan losses | 1,025,000 | 1,075,000 | 1,275,000 | 1,375,000 |
| Pretax income | -934,000 | -368,000 | 657,000 | 1,437,000 |
| Income tax | -30,000 | 146,000 | 500,000 | 851,000 |
| Net income | -904,000 | -514,000 | 157,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,624,000 | 38,521,000 | 40,734,000 | 41,505,000 |
| Total capital | 39,815,000 | 41,585,000 | 43,453,000 | 44,293,000 |
| Risk-weighted assets | 372,338,000 | 366,073,000 | 359,279,000 | 360,974,000 |