Call reports 2004
MAYFLOWER CO-OPERATIVE BANK — 2004
What MAYFLOWER CO-OPERATIVE 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 | 213,205,000 | 214,129,000 | 225,544,000 | 229,907,000 |
| Total loans | 117,026,000 | 122,114,000 | 125,397,000 | 128,565,000 |
| Allowance for loan losses | 1,465,000 | 1,490,000 | 1,512,000 | 1,537,000 |
| Securities available for sale | 42,015,000 | 41,764,000 | 47,074,000 | 47,439,000 |
| Securities held to maturity | 33,137,000 | 34,772,000 | 33,357,000 | 37,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,522,000 | 175,904,000 | 185,773,000 | 190,787,000 |
| Interest-bearing deposits | 162,687,000 | 162,637,000 | 171,369,000 | 177,395,000 |
| Noninterest-bearing deposits | 11,835,000 | 13,267,000 | 14,404,000 | 13,392,000 |
| Equity capital | 18,108,000 | 17,483,000 | 18,119,000 | 18,268,000 |
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 | 2,551,000 | 5,211,000 | 7,923,000 | 10,751,000 |
| Interest expense | 779,000 | 1,563,000 | 2,381,000 | 3,240,000 |
| Net interest income | 1,772,000 | 3,648,000 | 5,542,000 | 7,511,000 |
| Noninterest income | 380,000 | 595,000 | 903,000 | 1,144,000 |
| Noninterest expense | 1,472,000 | 2,924,000 | 4,415,000 | 5,937,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 760,000 | 1,382,000 | 2,141,000 | 2,807,000 |
| Income tax | 279,000 | 485,000 | 774,000 | 1,026,000 |
| Net income | 481,000 | 897,000 | 1,367,000 | 1,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,413,000 | 17,526,000 | 17,913,000 | 18,128,000 |
| Total capital | 18,965,000 | 19,016,000 | 19,439,000 | 19,674,000 |
| Risk-weighted assets | 130,808,000 | 129,493,000 | 135,172,000 | 136,446,000 |