Call reports 2005
MARTHA'S VINEYARD BANK — 2005
What MARTHA'S VINEYARD BANK 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 | 257,857,000 | 268,877,000 | 282,004,000 | 272,738,000 |
| Total loans | 130,294,000 | 142,362,000 | 151,266,000 | 159,409,000 |
| Allowance for loan losses | 1,009,000 | 1,013,000 | 1,047,000 | 1,081,000 |
| Securities available for sale | 103,580,000 | 101,923,000 | 102,724,000 | 92,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,739,000 | 236,670,000 | 250,061,000 | 235,848,000 |
| Interest-bearing deposits | 216,210,000 | 223,987,000 | 233,342,000 | 222,538,000 |
| Noninterest-bearing deposits | 10,529,000 | 12,683,000 | 16,719,000 | 13,310,000 |
| Equity capital | 29,676,000 | 30,629,000 | 30,783,000 | 31,034,000 |
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 | 3,041,000 | 6,134,000 | 9,470,000 | 12,946,000 |
| Interest expense | 702,000 | 1,548,000 | 2,555,000 | 3,719,000 |
| Net interest income | 2,339,000 | 4,586,000 | 6,915,000 | 9,227,000 |
| Noninterest income | 263,000 | 595,000 | 929,000 | 1,243,000 |
| Noninterest expense | 2,874,000 | 4,753,000 | 6,547,000 | 8,406,000 |
| Provision for loan losses | 0 | 4,000 | 39,000 | 79,000 |
| Pretax income | 710,000 | 1,485,000 | 2,319,000 | 3,011,000 |
| Income tax | 242,000 | 440,000 | 650,000 | 869,000 |
| Net income | 468,000 | 1,045,000 | 1,669,000 | 2,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,226,000 | 28,803,000 | 29,427,000 | 29,900,000 |
| Total capital | 29,235,000 | 29,816,000 | 30,474,000 | 30,981,000 |
| Risk-weighted assets | 115,435,000 | 122,315,000 | 138,257,000 | 135,156,000 |