Call reports 2003
MAYFLOWER CO-OPERATIVE BANK — 2003
What MAYFLOWER CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 196,983,000 | 210,038,000 | 210,640,000 | 208,997,000 |
| Total loans | 105,531,000 | 106,663,000 | 112,012,000 | 117,850,000 |
| Allowance for loan losses | 1,317,000 | 1,341,000 | 1,417,000 | 1,441,000 |
| Securities available for sale | 61,922,000 | 55,765,000 | 44,744,000 | 43,243,000 |
| Securities held to maturity | 8,927,000 | 24,850,000 | 29,606,000 | 34,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,747,000 | 171,233,000 | 172,297,000 | 170,988,000 |
| Interest-bearing deposits | 151,142,000 | 156,273,000 | 159,380,000 | 158,685,000 |
| Noninterest-bearing deposits | 10,605,000 | 14,960,000 | 12,917,000 | 12,303,000 |
| Equity capital | 16,531,000 | 17,341,000 | 17,428,000 | 17,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,592,000 | 5,247,000 | 7,833,000 | 10,387,000 |
| Interest expense | 941,000 | 1,891,000 | 2,792,000 | 3,640,000 |
| Net interest income | 1,651,000 | 3,356,000 | 5,041,000 | 6,747,000 |
| Noninterest income | 494,000 | 1,144,000 | 1,652,000 | 1,934,000 |
| Noninterest expense | 1,354,000 | 2,713,000 | 4,096,000 | 5,528,000 |
| Provision for loan losses | 15,000 | 35,000 | 58,000 | 80,000 |
| Pretax income | 806,000 | 1,808,000 | 2,514,000 | 3,283,000 |
| Income tax | 303,000 | 670,000 | 939,000 | 1,232,000 |
| Net income | 503,000 | 1,138,000 | 1,575,000 | 2,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,908,000 | 16,547,000 | 16,809,000 | 17,085,000 |
| Total capital | 17,225,000 | 17,926,000 | 18,339,000 | 18,587,000 |
| Risk-weighted assets | 118,362,000 | 120,420,000 | 121,652,000 | 124,073,000 |