Call reports 2003
COOPERATIVE BANK, THE — 2003
What COOPERATIVE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 216,302,000 | 222,123,000 | 230,735,000 | 235,423,000 |
| Total loans | 149,710,000 | 153,417,000 | 149,757,000 | 158,950,000 |
| Allowance for loan losses | 1,610,000 | 1,634,000 | 1,634,000 | 1,634,000 |
| Securities available for sale | 35,964,000 | 44,956,000 | 53,036,000 | 54,406,000 |
| Securities held to maturity | 1,448,000 | 1,650,000 | 1,649,000 | 1,647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,951,000 | 183,850,000 | 192,001,000 | 192,888,000 |
| Interest-bearing deposits | 155,894,000 | 156,534,000 | 166,088,000 | 165,510,000 |
| Noninterest-bearing deposits | 22,057,000 | 27,316,000 | 25,913,000 | 27,378,000 |
| Equity capital | 19,831,000 | 20,914,000 | 21,370,000 | 21,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,170,000 | 6,231,000 | 9,299,000 | 12,429,000 |
| Interest expense | 878,000 | 1,725,000 | 2,543,000 | 3,359,000 |
| Net interest income | 2,292,000 | 4,506,000 | 6,756,000 | 9,070,000 |
| Noninterest income | 282,000 | 555,000 | 787,000 | 1,030,000 |
| Noninterest expense | 1,690,000 | 3,495,000 | 5,230,000 | 7,125,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 824,000 | 1,503,000 | 2,259,000 | 3,100,000 |
| Income tax | 899,000 | 764,000 | 1,125,000 | 1,435,000 |
| Net income | -75,000 | 739,000 | 1,134,000 | 1,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,820,000 | 19,675,000 | 20,177,000 | 20,745,000 |
| Total capital | 20,485,000 | 21,364,000 | 21,866,000 | 22,458,000 |
| Risk-weighted assets | 145,532,000 | 160,165,000 | 159,532,000 | 167,758,000 |