Call reports 2006
MARTHA'S VINEYARD BANK — 2006
What MARTHA'S VINEYARD BANK 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 | 293,458,000 | 299,608,000 | 308,260,000 | 298,289,000 |
| Total loans | 172,487,000 | 182,239,000 | 183,544,000 | 183,780,000 |
| Allowance for loan losses | 1,155,000 | 1,228,000 | 1,302,000 | 1,375,000 |
| Securities available for sale | 94,869,000 | 87,759,000 | 89,570,000 | 88,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,087,000 | 221,733,000 | 233,773,000 | 213,079,000 |
| Interest-bearing deposits | 216,123,000 | 205,814,000 | 216,015,000 | 198,815,000 |
| Noninterest-bearing deposits | 14,964,000 | 15,919,000 | 17,758,000 | 14,264,000 |
| Equity capital | 31,341,000 | 31,534,000 | 32,843,000 | 33,598,000 |
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 | 3,538,000 | 7,367,000 | 11,338,000 | 15,422,000 |
| Interest expense | 1,311,000 | 2,873,000 | 4,585,000 | 6,376,000 |
| Net interest income | 2,227,000 | 4,494,000 | 6,753,000 | 9,046,000 |
| Noninterest income | 297,000 | 627,000 | 1,040,000 | 1,453,000 |
| Noninterest expense | 1,914,000 | 3,866,000 | 5,775,000 | 7,719,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 531,000 | 1,183,000 | 1,919,000 | 2,841,000 |
| Income tax | 192,000 | 431,000 | 712,000 | 1,054,000 |
| Net income | 339,000 | 752,000 | 1,207,000 | 1,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,239,000 | 30,652,000 | 31,107,000 | 31,687,000 |
| Total capital | 31,394,000 | 31,880,000 | 32,409,000 | 33,062,000 |
| Risk-weighted assets | 149,309,000 | 155,993,000 | 159,427,000 | 154,950,000 |