Call reports 2004
MARTHA'S VINEYARD CO-OPERATIVE BANK OF TISBURY — 2004
What MARTHA'S VINEYARD CO-OPERATIVE BANK OF TISBURY 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 | 117,615,000 | 124,029,000 | 128,292,000 | 128,852,000 |
| Total loans | 106,761,000 | 109,113,000 | 113,157,000 | 117,079,000 |
| Allowance for loan losses | 435,000 | 445,000 | 463,000 | 481,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,653,000 | 3,422,000 | 3,251,000 | 4,092,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,544,000 | 99,518,000 | 105,376,000 | 100,868,000 |
| Interest-bearing deposits | 78,154,000 | 86,085,000 | 90,626,000 | 87,785,000 |
| Noninterest-bearing deposits | 10,390,000 | 13,433,000 | 14,750,000 | 13,083,000 |
| Equity capital | 9,337,000 | 9,466,000 | 9,767,000 | 10,059,000 |
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 | 1,570,000 | 3,125,000 | 4,717,000 | 6,388,000 |
| Interest expense | 376,000 | 760,000 | 1,148,000 | 1,558,000 |
| Net interest income | 1,194,000 | 2,365,000 | 3,569,000 | 4,830,000 |
| Noninterest income | 101,000 | 248,000 | 397,000 | 524,000 |
| Noninterest expense | 808,000 | 1,832,000 | 2,658,000 | 3,531,000 |
| Provision for loan losses | 15,000 | 30,000 | 48,000 | 68,000 |
| Pretax income | 472,000 | 751,000 | 1,260,000 | 1,755,000 |
| Income tax | 193,000 | 343,000 | 551,000 | 754,000 |
| Net income | 279,000 | 408,000 | 709,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,337,000 | 9,466,000 | 9,767,000 | 10,059,000 |
| Total capital | 9,794,000 | 9,933,000 | 10,253,000 | 10,562,000 |
| Risk-weighted assets | 70,868,000 | 71,581,000 | 74,437,000 | 77,692,000 |