Call reports 2015
COOPERATIVE BANK, THE — 2015
What COOPERATIVE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 310,298,000 | 311,280,000 | 325,730,000 | 338,790,000 |
| Total loans | 236,310,000 | 245,427,000 | 251,738,000 | 266,552,000 |
| Allowance for loan losses | 1,875,000 | 1,947,000 | 2,022,000 | 2,082,000 |
| Securities available for sale | 39,216,000 | 38,007,000 | 35,618,000 | 37,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,365,000 | 261,322,000 | 276,097,000 | 284,074,000 |
| Interest-bearing deposits | 209,862,000 | 208,897,000 | 207,536,000 | 214,498,000 |
| Noninterest-bearing deposits | 56,503,000 | 52,425,000 | 68,561,000 | 69,576,000 |
| Equity capital | 32,175,000 | 32,406,000 | 32,867,000 | 33,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,582,000 | 5,206,000 | 7,948,000 | 10,788,000 |
| Interest expense | 174,000 | 356,000 | 549,000 | 767,000 |
| Net interest income | 2,408,000 | 4,850,000 | 7,399,000 | 10,021,000 |
| Noninterest income | 298,000 | 620,000 | 931,000 | 1,201,000 |
| Noninterest expense | 2,170,000 | 4,340,000 | 6,538,000 | 8,745,000 |
| Provision for loan losses | 30,000 | 105,000 | 180,000 | 240,000 |
| Pretax income | 506,000 | 1,025,000 | 1,612,000 | 2,237,000 |
| Income tax | 184,000 | 371,000 | 586,000 | 816,000 |
| Net income | 322,000 | 654,000 | 1,026,000 | 1,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,992,000 | 32,324,000 | 32,696,000 | 33,092,000 |
| Total capital | 34,013,000 | 34,416,000 | 34,863,000 | 35,333,000 |
| Risk-weighted assets | 196,756,000 | 212,044,000 | 211,111,000 | 223,540,000 |