Call reports 2007
MAYFLOWER CO-OPERATIVE BANK — 2007
What MAYFLOWER CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 242,791,000 | 244,344,000 | 242,595,000 | 241,992,000 |
| Total loans | 140,380,000 | 142,572,000 | 135,326,000 | 133,141,000 |
| Allowance for loan losses | 1,664,000 | 1,674,000 | 1,676,000 | 1,377,000 |
| Securities available for sale | 45,316,000 | 46,613,000 | 44,759,000 | 46,286,000 |
| Securities held to maturity | 37,966,000 | 35,636,000 | 38,327,000 | 38,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,372,000 | 200,910,000 | 202,215,000 | 203,572,000 |
| Interest-bearing deposits | 186,964,000 | 187,974,000 | 188,423,000 | 189,880,000 |
| Noninterest-bearing deposits | 12,408,000 | 12,936,000 | 13,792,000 | 13,692,000 |
| Equity capital | 19,304,000 | 19,145,000 | 19,306,000 | 19,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,397,000 | 6,836,000 | 10,323,000 | 13,723,000 |
| Interest expense | 1,638,000 | 3,278,000 | 5,004,000 | 6,716,000 |
| Net interest income | 1,759,000 | 3,558,000 | 5,319,000 | 7,007,000 |
| Noninterest income | 272,000 | 581,000 | 895,000 | 1,249,000 |
| Noninterest expense | 1,609,000 | 3,286,000 | 4,988,000 | 6,691,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 407,000 | 829,000 | 1,202,000 | 1,543,000 |
| Income tax | 133,000 | 269,000 | 381,000 | 478,000 |
| Net income | 274,000 | 560,000 | 821,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,410,000 | 19,435,000 | 19,385,000 | 19,280,000 |
| Total capital | 21,204,000 | 21,239,000 | 21,133,000 | 20,767,000 |
| Risk-weighted assets | 145,221,000 | 146,167,000 | 139,782,000 | 139,826,000 |