Call reports 2005
MARTHA'S VINEYARD CO-OPERATIVE BANK OF TISBURY — 2005
What MARTHA'S VINEYARD CO-OPERATIVE BANK OF TISBURY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 132,124,000 | 137,784,000 | 142,531,000 | 144,050,000 |
| Total loans | 119,673,000 | 124,991,000 | 127,278,000 | 132,319,000 |
| Allowance for loan losses | 499,000 | 521,000 | 540,000 | 544,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,924,000 | 3,720,000 | 3,494,000 | 3,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,724,000 | 109,810,000 | 121,122,000 | 118,102,000 |
| Interest-bearing deposits | 88,977,000 | 94,795,000 | 103,603,000 | 101,857,000 |
| Noninterest-bearing deposits | 12,747,000 | 15,015,000 | 17,519,000 | 16,245,000 |
| Equity capital | 10,355,000 | 10,477,000 | 10,770,000 | 11,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,605,000 | 5,563,000 | 7,540,000 |
| Interest expense | 438,000 | 969,000 | 1,533,000 | 2,143,000 |
| Net interest income | 1,305,000 | 2,636,000 | 4,030,000 | 5,397,000 |
| Noninterest income | 119,000 | 274,000 | 431,000 | 589,000 |
| Noninterest expense | 903,000 | 2,160,000 | 3,195,000 | 4,227,000 |
| Provision for loan losses | 20,000 | 41,000 | 60,000 | 64,000 |
| Pretax income | 501,000 | 709,000 | 1,206,000 | 1,695,000 |
| Income tax | 205,000 | 291,000 | 495,000 | 695,000 |
| Net income | 296,000 | 418,000 | 711,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,355,000 | 10,477,000 | 10,770,000 | 11,059,000 |
| Total capital | 10,876,000 | 11,020,000 | 11,335,000 | 11,634,000 |
| Risk-weighted assets | 79,024,000 | 88,397,000 | 88,690,000 | 92,720,000 |