Call reports 2005
COOPERATIVE BANK, THE — 2005
What COOPERATIVE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 267,652,000 | 269,883,000 | 275,635,000 | 276,515,000 |
| Total loans | 189,970,000 | 193,936,000 | 195,023,000 | 197,935,000 |
| Allowance for loan losses | 1,804,000 | 1,844,000 | 1,924,000 | 1,969,000 |
| Securities available for sale | 50,611,000 | 50,820,000 | 54,820,000 | 54,100,000 |
| Securities held to maturity | 1,033,000 | 1,030,000 | 1,028,000 | 1,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,092,000 | 224,428,000 | 231,903,000 | 221,056,000 |
| Interest-bearing deposits | 185,720,000 | 187,923,000 | 194,568,000 | 186,540,000 |
| Noninterest-bearing deposits | 34,372,000 | 36,505,000 | 37,335,000 | 34,516,000 |
| Equity capital | 22,983,000 | 23,714,000 | 23,902,000 | 24,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,597,000 | 7,318,000 | 11,153,000 | 15,106,000 |
| Interest expense | 996,000 | 2,062,000 | 3,200,000 | 4,467,000 |
| Net interest income | 2,601,000 | 5,256,000 | 7,953,000 | 10,639,000 |
| Noninterest income | 225,000 | 487,000 | 737,000 | 1,004,000 |
| Noninterest expense | 2,065,000 | 4,215,000 | 6,314,000 | 8,531,000 |
| Provision for loan losses | 60,000 | 100,000 | 180,000 | 225,000 |
| Pretax income | 701,000 | 1,484,000 | 2,248,000 | 2,937,000 |
| Income tax | 224,000 | 475,000 | 721,000 | 949,000 |
| Net income | 477,000 | 1,009,000 | 1,527,000 | 1,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,332,000 | 23,864,000 | 24,382,000 | 24,843,000 |
| Total capital | 25,181,000 | 25,771,000 | 26,392,000 | 26,900,000 |
| Risk-weighted assets | 194,412,000 | 197,429,000 | 200,477,000 | 201,902,000 |