Call reports 2003
MEDFORD CO-OPERATIVE BANK — 2003
What MEDFORD CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 415,668,000 | 427,602,000 | 436,293,000 | 432,236,000 |
| Total loans | 259,995,000 | 282,296,000 | 292,162,000 | 293,456,000 |
| Allowance for loan losses | 2,245,000 | 2,347,000 | 2,437,000 | 2,756,000 |
| Securities available for sale | 126,573,000 | 117,999,000 | 115,999,000 | 117,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,438,000 | 344,627,000 | 347,895,000 | 345,599,000 |
| Interest-bearing deposits | 304,801,000 | 318,618,000 | 320,713,000 | 317,134,000 |
| Noninterest-bearing deposits | 22,637,000 | 26,009,000 | 27,182,000 | 28,465,000 |
| Equity capital | 35,378,000 | 36,139,000 | 35,875,000 | 35,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,305,000 | 10,643,000 | 15,869,000 | 21,193,000 |
| Interest expense | 2,458,000 | 4,745,000 | 6,855,000 | 8,847,000 |
| Net interest income | 2,847,000 | 5,898,000 | 9,014,000 | 12,346,000 |
| Noninterest income | 565,000 | 1,294,000 | 1,635,000 | 2,036,000 |
| Noninterest expense | 2,439,000 | 5,315,000 | 7,838,000 | 10,882,000 |
| Provision for loan losses | 75,000 | 175,000 | 262,000 | 574,000 |
| Pretax income | 963,000 | 1,925,000 | 2,817,000 | 3,387,000 |
| Income tax | 359,000 | 741,000 | 1,061,000 | 1,235,000 |
| Net income | 604,000 | 1,184,000 | 1,756,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,552,000 | 35,357,000 | 35,609,000 | 35,670,000 |
| Total capital | 36,797,000 | 37,715,000 | 38,096,000 | 38,426,000 |
| Risk-weighted assets | 249,118,000 | 245,739,000 | 247,903,000 | 262,752,000 |