Call reports 2004
MT WASHINGTON CO-OPERATIVE BANK — 2004
What MT WASHINGTON 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 | 359,019,000 | 359,091,000 | 386,429,000 | 381,691,000 |
| Total loans | 219,009,000 | 226,334,000 | 248,101,000 | 239,040,000 |
| Allowance for loan losses | 1,195,000 | 1,224,000 | 1,260,000 | 1,296,000 |
| Securities available for sale | 102,582,000 | 92,230,000 | 101,186,000 | 100,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,325,000 | 261,990,000 | 265,450,000 | 265,785,000 |
| Interest-bearing deposits | 240,421,000 | 247,909,000 | 249,676,000 | 248,087,000 |
| Noninterest-bearing deposits | 13,904,000 | 14,081,000 | 15,774,000 | 17,698,000 |
| Equity capital | 29,935,000 | 28,535,000 | 30,050,000 | 30,844,000 |
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 | 4,457,000 | 8,903,000 | 13,604,000 | 18,430,000 |
| Interest expense | 1,298,000 | 2,601,000 | 4,031,000 | 5,510,000 |
| Net interest income | 3,159,000 | 6,302,000 | 9,573,000 | 12,920,000 |
| Noninterest income | 499,000 | 1,057,000 | 1,650,000 | 2,518,000 |
| Noninterest expense | 2,642,000 | 5,462,000 | 8,666,000 | 11,844,000 |
| Provision for loan losses | 69,000 | 138,000 | 213,000 | 298,000 |
| Pretax income | 1,024,000 | 1,975,000 | 2,716,000 | 3,713,000 |
| Income tax | 349,000 | 659,000 | 853,000 | 1,148,000 |
| Net income | 675,000 | 1,316,000 | 1,863,000 | 2,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,312,000 | 29,953,000 | 30,500,000 | 31,202,000 |
| Total capital | 30,591,000 | 31,219,000 | 31,815,000 | 32,633,000 |
| Risk-weighted assets | 196,266,000 | 190,558,000 | 228,298,000 | 231,621,000 |