Call reports 2005
MAYFLOWER CO-OPERATIVE BANK — 2005
What MAYFLOWER CO-OPERATIVE 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 | 235,613,000 | 240,987,000 | 242,516,000 | 241,158,000 |
| Total loans | 132,320,000 | 131,827,000 | 134,372,000 | 138,284,000 |
| Allowance for loan losses | 1,560,000 | 1,627,000 | 1,659,000 | 1,671,000 |
| Securities available for sale | 47,667,000 | 48,661,000 | 47,587,000 | 46,076,000 |
| Securities held to maturity | 38,113,000 | 39,223,000 | 43,243,000 | 42,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,264,000 | 199,416,000 | 202,675,000 | 200,567,000 |
| Interest-bearing deposits | 181,662,000 | 184,740,000 | 186,924,000 | 186,518,000 |
| Noninterest-bearing deposits | 13,602,000 | 14,676,000 | 15,751,000 | 14,049,000 |
| Equity capital | 18,116,000 | 18,647,000 | 18,536,000 | 18,516,000 |
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 | 2,891,000 | 5,902,000 | 9,002,000 | 12,175,000 |
| Interest expense | 899,000 | 1,900,000 | 2,997,000 | 4,150,000 |
| Net interest income | 1,992,000 | 4,002,000 | 6,005,000 | 8,025,000 |
| Noninterest income | 287,000 | 664,000 | 916,000 | 1,172,000 |
| Noninterest expense | 1,533,000 | 3,061,000 | 4,673,000 | 6,278,000 |
| Provision for loan losses | 23,000 | 28,000 | 58,000 | 68,000 |
| Pretax income | 734,000 | 1,588,000 | 2,237,000 | 2,531,000 |
| Income tax | 260,000 | 589,000 | 828,000 | 942,000 |
| Net income | 474,000 | 999,000 | 1,409,000 | 1,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,495,000 | 18,848,000 | 19,032,000 | 18,993,000 |
| Total capital | 20,055,000 | 20,477,000 | 20,691,000 | 20,664,000 |
| Risk-weighted assets | 140,727,000 | 142,704,000 | 146,363,000 | 144,459,000 |