Call reports 2005
MT WASHINGTON CO-OPERATIVE BANK — 2005
What MT WASHINGTON 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 | 416,161,000 | 417,746,000 | 429,007,000 | 435,869,000 |
| Total loans | 251,635,000 | 271,356,000 | 273,321,000 | 282,632,000 |
| Allowance for loan losses | 1,179,000 | 1,203,000 | 1,253,000 | 1,315,000 |
| Securities available for sale | 120,136,000 | 104,590,000 | 112,159,000 | 109,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,921,000 | 288,304,000 | 296,110,000 | 292,305,000 |
| Interest-bearing deposits | 257,535,000 | 267,055,000 | 270,135,000 | 266,405,000 |
| Noninterest-bearing deposits | 21,386,000 | 21,249,000 | 25,975,000 | 25,900,000 |
| Equity capital | 30,198,000 | 31,971,000 | 31,512,000 | 31,673,000 |
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 | 5,020,000 | 10,382,000 | 16,047,000 | 21,981,000 |
| Interest expense | 1,700,000 | 3,649,000 | 5,826,000 | 8,320,000 |
| Net interest income | 3,320,000 | 6,733,000 | 10,221,000 | 13,661,000 |
| Noninterest income | 521,000 | 1,206,000 | 1,964,000 | 2,701,000 |
| Noninterest expense | 2,948,000 | 6,305,000 | 9,704,000 | 12,850,000 |
| Provision for loan losses | 90,000 | 180,000 | 350,000 | 520,000 |
| Pretax income | 947,000 | 1,791,000 | 2,546,000 | 3,470,000 |
| Income tax | 280,000 | 472,000 | 658,000 | 950,000 |
| Net income | 667,000 | 1,319,000 | 1,888,000 | 2,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,869,000 | 32,447,000 | 32,955,000 | 33,618,000 |
| Total capital | 33,107,000 | 33,650,000 | 34,208,000 | 34,969,000 |
| Risk-weighted assets | 220,713,000 | 219,512,000 | 227,622,000 | 258,993,000 |