Call reports 2006
MT WASHINGTON CO-OPERATIVE BANK — 2006
What MT WASHINGTON CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 462,979,000 | 470,514,000 | 476,339,000 | 487,272,000 |
| Total loans | 301,653,000 | 313,982,000 | 316,877,000 | 319,865,000 |
| Allowance for loan losses | 1,470,000 | 1,564,000 | 1,634,000 | 1,762,000 |
| Securities available for sale | 117,387,000 | 111,669,000 | 117,004,000 | 120,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,300,000 | 316,282,000 | 321,315,000 | 324,221,000 |
| Interest-bearing deposits | 284,429,000 | 289,901,000 | 294,351,000 | 293,077,000 |
| Noninterest-bearing deposits | 29,870,000 | 26,381,000 | 26,964,000 | 31,144,000 |
| Equity capital | 31,335,000 | 30,788,000 | 33,009,000 | 33,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,214,000 | 12,998,000 | 20,006,000 | 27,297,000 |
| Interest expense | 2,797,000 | 6,120,000 | 9,785,000 | 13,640,000 |
| Net interest income | 3,417,000 | 6,878,000 | 10,221,000 | 13,657,000 |
| Noninterest income | 681,000 | 1,443,000 | 2,205,000 | 2,961,000 |
| Noninterest expense | 3,215,000 | 6,439,000 | 9,630,000 | 12,976,000 |
| Provision for loan losses | 170,000 | 309,000 | 484,000 | 658,000 |
| Pretax income | 905,000 | 2,038,000 | 2,789,000 | 3,503,000 |
| Income tax | 290,000 | 649,000 | 895,000 | 1,113,000 |
| Net income | 615,000 | 1,389,000 | 1,894,000 | 2,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,233,000 | 34,669,000 | 35,205,000 | 35,766,000 |
| Total capital | 35,725,000 | 36,233,000 | 36,839,000 | 37,528,000 |
| Risk-weighted assets | 263,136,000 | 268,737,000 | 302,835,000 | 296,184,000 |