Call reports 2002
MEDFORD CO-OPERATIVE BANK — 2002
What MEDFORD CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 325,010,000 | 351,884,000 | 373,002,000 | 397,212,000 |
| Total loans | 234,597,000 | 247,038,000 | 259,103,000 | 262,324,000 |
| Allowance for loan losses | 2,019,000 | 2,063,000 | 2,136,000 | 2,173,000 |
| Securities available for sale | 69,272,000 | 67,500,000 | 79,405,000 | 113,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,857,000 | 268,332,000 | 288,434,000 | 315,232,000 |
| Interest-bearing deposits | 226,370,000 | 248,403,000 | 265,352,000 | 292,953,000 |
| Noninterest-bearing deposits | 20,487,000 | 19,929,000 | 23,082,000 | 22,279,000 |
| Equity capital | 23,413,000 | 24,191,000 | 24,696,000 | 28,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,860,000 | 9,881,000 | 15,097,000 | 20,405,000 |
| Interest expense | 2,493,000 | 4,940,000 | 7,504,000 | 10,119,000 |
| Net interest income | 2,367,000 | 4,941,000 | 7,593,000 | 10,286,000 |
| Noninterest income | 316,000 | 605,000 | 1,044,000 | 1,540,000 |
| Noninterest expense | 1,888,000 | 4,024,000 | 6,251,000 | 8,655,000 |
| Provision for loan losses | 100,000 | 150,000 | 225,000 | 275,000 |
| Pretax income | 695,000 | 1,407,000 | 2,196,000 | 2,803,000 |
| Income tax | 264,000 | 541,000 | 846,000 | 1,089,000 |
| Net income | 431,000 | 866,000 | 1,350,000 | 1,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,406,000 | 23,727,000 | 23,969,000 | 28,012,000 |
| Total capital | 25,425,000 | 25,790,000 | 26,105,000 | 30,185,000 |
| Risk-weighted assets | 201,288,000 | 200,072,000 | 223,795,000 | 235,168,000 |