Call reports 2004
COOPERATIVE BANK, THE — 2004
What COOPERATIVE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 245,998,000 | 252,120,000 | 250,416,000 | 263,809,000 |
| Total loans | 168,728,000 | 173,624,000 | 177,210,000 | 188,372,000 |
| Allowance for loan losses | 1,634,000 | 1,634,000 | 1,684,000 | 1,744,000 |
| Securities available for sale | 51,780,000 | 54,470,000 | 49,574,000 | 51,348,000 |
| Securities held to maturity | 1,644,000 | 1,640,000 | 1,001,000 | 1,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,224,000 | 209,351,000 | 205,421,000 | 217,149,000 |
| Interest-bearing deposits | 173,466,000 | 174,274,000 | 174,790,000 | 181,673,000 |
| Noninterest-bearing deposits | 27,758,000 | 35,077,000 | 30,631,000 | 35,476,000 |
| Equity capital | 22,326,000 | 22,076,000 | 22,803,000 | 23,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,249,000 | 6,571,000 | 10,005,000 | 13,552,000 |
| Interest expense | 824,000 | 1,644,000 | 2,509,000 | 3,429,000 |
| Net interest income | 2,425,000 | 4,927,000 | 7,496,000 | 10,123,000 |
| Noninterest income | 259,000 | 475,000 | 743,000 | 968,000 |
| Noninterest expense | 1,961,000 | 3,890,000 | 6,017,000 | 8,095,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 110,000 |
| Pretax income | 799,000 | 1,618,000 | 2,387,000 | 3,101,000 |
| Income tax | 290,000 | 599,000 | 758,000 | 991,000 |
| Net income | 509,000 | 1,019,000 | 1,629,000 | 2,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,254,000 | 21,764,000 | 22,375,000 | 22,856,000 |
| Total capital | 22,965,000 | 23,482,000 | 24,071,000 | 24,679,000 |
| Risk-weighted assets | 175,931,000 | 185,983,000 | 182,454,000 | 192,512,000 |