Call reports 2001
MEDFORD CO-OPERATIVE BANK — 2001
What MEDFORD CO-OPERATIVE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 282,221,000 | 299,094,000 | 302,901,000 | 309,317,000 |
| Total loans | 216,800,000 | 217,094,000 | 220,124,000 | 225,371,000 |
| Allowance for loan losses | 1,684,000 | 1,784,000 | 1,857,000 | 1,923,000 |
| Securities available for sale | 32,795,000 | 43,820,000 | 52,425,000 | 58,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,671,000 | 225,641,000 | 231,796,000 | 235,782,000 |
| Interest-bearing deposits | 189,853,000 | 206,625,000 | 212,205,000 | 217,197,000 |
| Noninterest-bearing deposits | 18,818,000 | 19,016,000 | 19,591,000 | 18,585,000 |
| Equity capital | 27,600,000 | 27,517,000 | 25,160,000 | 23,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,864,000 | 9,743,000 | 14,699,000 | 19,547,000 |
| Interest expense | 2,536,000 | 5,108,000 | 7,726,000 | 10,244,000 |
| Net interest income | 2,328,000 | 4,635,000 | 6,973,000 | 9,303,000 |
| Noninterest income | 317,000 | 593,000 | 862,000 | 1,170,000 |
| Noninterest expense | 1,875,000 | 4,601,000 | 6,444,000 | 8,340,000 |
| Provision for loan losses | 75,000 | 175,000 | 250,000 | 330,000 |
| Pretax income | 717,000 | 428,000 | 1,117,000 | 1,789,000 |
| Income tax | 268,000 | 148,000 | 419,000 | 683,000 |
| Net income | 449,000 | 280,000 | 698,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,568,000 | 27,399,000 | 24,817,000 | 23,725,000 |
| Total capital | 29,252,000 | 29,183,000 | 26,674,000 | 25,648,000 |
| Risk-weighted assets | 188,485,000 | 188,224,000 | 190,581,000 | 185,591,000 |