Call reports 2004
METHUEN CO-OPERATIVE BANK — 2004
What METHUEN 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 | 71,188,000 | 74,637,000 | 73,718,000 | 74,278,000 |
| Total loans | 38,794,000 | 41,237,000 | 40,910,000 | 41,960,000 |
| Allowance for loan losses | 401,000 | 363,000 | 364,000 | 361,000 |
| Securities available for sale | 7,326,000 | 5,101,000 | 5,722,000 | 6,042,000 |
| Securities held to maturity | 14,759,000 | 18,988,000 | 19,926,000 | 19,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,116,000 | 67,441,000 | 66,335,000 | 66,752,000 |
| Interest-bearing deposits | 60,496,000 | 62,024,000 | 62,217,000 | 61,360,000 |
| Noninterest-bearing deposits | 3,620,000 | 5,417,000 | 4,118,000 | 5,392,000 |
| Equity capital | 7,015,000 | 7,110,000 | 7,231,000 | 7,334,000 |
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 | 686,000 | 1,419,000 | 2,181,000 | 2,938,000 |
| Interest expense | 162,000 | 315,000 | 467,000 | 616,000 |
| Net interest income | 524,000 | 1,104,000 | 1,714,000 | 2,322,000 |
| Noninterest income | 70,000 | 133,000 | 219,000 | 300,000 |
| Noninterest expense | 471,000 | 954,000 | 1,445,000 | 1,953,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 283,000 | 488,000 | 669,000 |
| Income tax | 49,000 | 114,000 | 198,000 | 276,000 |
| Net income | 74,000 | 169,000 | 290,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,015,000 | 7,110,000 | 7,231,000 | 7,334,000 |
| Total capital | 7,416,000 | 7,473,000 | 7,595,000 | 7,695,000 |
| Risk-weighted assets | 39,905,000 | 39,842,000 | 40,172,000 | 40,448,000 |
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