Call reports 2006
MARTHA'S VINEYARD CO-OPERATIVE BANK OF TISBURY — 2006
What MARTHA'S VINEYARD CO-OPERATIVE BANK OF TISBURY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 151,707,000 | 159,773,000 | 155,250,000 | 157,735,000 |
| Total loans | 137,742,000 | 142,352,000 | 141,305,000 | 144,806,000 |
| Allowance for loan losses | 545,000 | 566,000 | 589,000 | 601,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,151,000 | 2,980,000 | 2,819,000 | 2,679,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,995,000 | 120,625,000 | 127,125,000 | 119,660,000 |
| Interest-bearing deposits | 105,716,000 | 104,398,000 | 110,250,000 | 105,024,000 |
| Noninterest-bearing deposits | 14,279,000 | 16,227,000 | 16,875,000 | 14,637,000 |
| Equity capital | 11,368,000 | 11,542,000 | 11,841,000 | 12,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,104,000 | 4,309,000 | 6,586,000 | 8,889,000 |
| Interest expense | 735,000 | 1,618,000 | 2,521,000 | 3,496,000 |
| Net interest income | 1,369,000 | 2,691,000 | 4,065,000 | 5,393,000 |
| Noninterest income | 143,000 | 311,000 | 507,000 | 673,000 |
| Noninterest expense | 997,000 | 2,260,000 | 3,315,000 | 4,368,000 |
| Provision for loan losses | 0 | 27,000 | 50,000 | 62,000 |
| Pretax income | 515,000 | 715,000 | 1,207,000 | 1,636,000 |
| Income tax | 206,000 | 232,000 | 425,000 | 592,000 |
| Net income | 309,000 | 483,000 | 782,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,368,000 | 11,542,000 | 11,841,000 | 12,103,000 |
| Total capital | 11,943,000 | 12,137,000 | 12,460,000 | 12,734,000 |
| Risk-weighted assets | 99,218,000 | 102,707,000 | 99,747,000 | 101,395,000 |