Call reports 2011
CENTRAL CO-OPERATIVE BANK — 2011
What CENTRAL CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 486,960,000 | 496,589,000 | 512,610,000 | 520,726,000 |
| Total loans | 394,217,000 | 417,952,000 | 432,820,000 | 421,176,000 |
| Allowance for loan losses | 3,892,000 | 4,418,000 | 4,173,000 | 4,083,000 |
| Securities available for sale | 25,261,000 | 27,522,000 | 25,915,000 | 35,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,769,000 | 319,548,000 | 335,633,000 | 335,082,000 |
| Interest-bearing deposits | 269,869,000 | 273,647,000 | 289,998,000 | 290,995,000 |
| Noninterest-bearing deposits | 40,900,000 | 45,901,000 | 45,635,000 | 44,087,000 |
| Equity capital | 52,156,000 | 52,336,000 | 52,251,000 | 50,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,692,000 | 11,287,000 | 17,163,000 | 22,938,000 |
| Interest expense | 1,673,000 | 3,255,000 | 4,882,000 | 6,513,000 |
| Net interest income | 4,019,000 | 8,032,000 | 12,281,000 | 16,425,000 |
| Noninterest income | 357,000 | 758,000 | 1,174,000 | 1,676,000 |
| Noninterest expense | 4,009,000 | 7,971,000 | 11,910,000 | 15,546,000 |
| Provision for loan losses | 200,000 | 700,000 | 1,000,000 | 1,300,000 |
| Pretax income | 473,000 | 916,000 | 1,406,000 | 2,068,000 |
| Income tax | 101,000 | 239,000 | 400,000 | 600,000 |
| Net income | 372,000 | 677,000 | 1,006,000 | 1,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,938,000 | 46,609,000 | 46,057,000 | 44,752,000 |
| Total capital | 50,954,000 | 50,638,000 | 49,927,000 | 48,648,000 |
| Risk-weighted assets | 304,743,000 | 309,147,000 | 315,053,000 | 318,350,000 |