Call reports 2008
COOPERATIVE BANK, THE — 2008
What COOPERATIVE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 266,448,000 | 264,126,000 | 254,089,000 | 256,666,000 |
| Total loans | 189,974,000 | 186,219,000 | 179,005,000 | 179,786,000 |
| Allowance for loan losses | 1,900,000 | 1,924,000 | 1,874,000 | 1,811,000 |
| Securities available for sale | 49,715,000 | 54,597,000 | 47,814,000 | 47,153,000 |
| Securities held to maturity | 1,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,527,000 | 206,291,000 | 204,397,000 | 205,705,000 |
| Interest-bearing deposits | 171,262,000 | 175,864,000 | 172,036,000 | 173,632,000 |
| Noninterest-bearing deposits | 30,265,000 | 30,427,000 | 32,361,000 | 32,073,000 |
| Equity capital | 27,281,000 | 27,193,000 | 25,394,000 | 26,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,724,000 | 7,389,000 | 10,961,000 | 14,339,000 |
| Interest expense | 1,586,000 | 2,909,000 | 4,113,000 | 5,267,000 |
| Net interest income | 2,138,000 | 4,480,000 | 6,848,000 | 9,072,000 |
| Noninterest income | 270,000 | 501,000 | 753,000 | 990,000 |
| Noninterest expense | 2,255,000 | 4,596,000 | 6,780,000 | 9,031,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 135,000 | 310,000 | -1,607,000 | -1,342,000 |
| Income tax | 8,000 | 22,000 | -411,000 | -319,000 |
| Net income | 127,000 | 288,000 | -1,196,000 | -1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,320,000 | 27,484,000 | 26,033,000 | 26,009,000 |
| Total capital | 29,360,000 | 29,548,000 | 28,053,000 | 27,962,000 |
| Risk-weighted assets | 193,472,000 | 184,279,000 | 171,363,000 | 169,998,000 |