Call reports 2004
MARTHA'S VINEYARD BANK — 2004
What MARTHA'S VINEYARD 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 | 246,380,000 | 252,313,000 | 270,681,000 | 265,067,000 |
| Total loans | 131,421,000 | 133,148,000 | 131,490,000 | 129,165,000 |
| Allowance for loan losses | 993,000 | 994,000 | 1,006,000 | 1,002,000 |
| Securities available for sale | 86,643,000 | 85,969,000 | 95,494,000 | 101,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,106,000 | 221,283,000 | 238,475,000 | 232,527,000 |
| Interest-bearing deposits | 204,751,000 | 208,332,000 | 227,163,000 | 222,116,000 |
| Noninterest-bearing deposits | 9,355,000 | 12,951,000 | 11,312,000 | 10,411,000 |
| Equity capital | 29,377,000 | 29,013,000 | 30,042,000 | 30,478,000 |
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 | 2,968,000 | 5,869,000 | 8,866,000 | 11,905,000 |
| Interest expense | 726,000 | 1,426,000 | 2,154,000 | 2,917,000 |
| Net interest income | 2,242,000 | 4,443,000 | 6,712,000 | 8,988,000 |
| Noninterest income | 220,000 | 461,000 | 716,000 | 971,000 |
| Noninterest expense | 1,631,000 | 3,352,000 | 5,032,000 | 6,834,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 12,000 |
| Pretax income | 831,000 | 1,552,000 | 2,402,000 | 3,135,000 |
| Income tax | 322,000 | 599,000 | 931,000 | 1,172,000 |
| Net income | 509,000 | 953,000 | 1,471,000 | 1,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,304,000 | 26,748,000 | 27,266,000 | 27,758,000 |
| Total capital | 27,297,000 | 27,742,000 | 28,272,000 | 28,760,000 |
| Risk-weighted assets | 108,426,000 | 111,765,000 | 112,194,000 | 110,276,000 |