Call reports 2004
MEDFORD CO-OPERATIVE BANK — 2004
What MEDFORD CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 425,554,000 | 437,844,000 | 436,509,000 | 435,174,000 |
| Total loans | 299,746,000 | 314,342,000 | 335,078,000 | 346,996,000 |
| Allowance for loan losses | 2,809,000 | 2,537,000 | 2,716,000 | 2,770,000 |
| Securities available for sale | 93,016,000 | 88,731,000 | 66,139,000 | 58,403,000 |
| Securities held to maturity | 9,786,000 | 11,287,000 | 9,787,000 | 9,788,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,000,000 | 352,558,000 | 340,328,000 | 327,278,000 |
| Interest-bearing deposits | 316,713,000 | 316,407,000 | 306,184,000 | 296,788,000 |
| Noninterest-bearing deposits | 30,287,000 | 36,151,000 | 34,144,000 | 30,490,000 |
| Equity capital | 36,623,000 | 35,543,000 | 36,585,000 | 36,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,350,000 | 10,679,000 | 16,077,000 | 21,588,000 |
| Interest expense | 1,818,000 | 3,551,000 | 5,334,000 | 7,170,000 |
| Net interest income | 3,532,000 | 7,128,000 | 10,743,000 | 14,418,000 |
| Noninterest income | 284,000 | 634,000 | 894,000 | 1,120,000 |
| Noninterest expense | 2,780,000 | 5,437,000 | 8,206,000 | 11,647,000 |
| Provision for loan losses | 52,000 | 185,000 | 364,000 | 425,000 |
| Pretax income | 1,105,000 | 2,421,000 | 3,369,000 | 3,807,000 |
| Income tax | 395,000 | 824,000 | 1,163,000 | 1,307,000 |
| Net income | 710,000 | 1,597,000 | 2,206,000 | 2,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,045,000 | 36,596,000 | 36,868,000 | 37,161,000 |
| Total capital | 39,074,000 | 39,302,000 | 39,732,000 | 40,125,000 |
| Risk-weighted assets | 256,861,000 | 259,732,000 | 281,070,000 | 283,429,000 |