Call reports 2007
MT WASHINGTON CO-OPERATIVE BANK — 2007
What MT WASHINGTON 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 | 492,256,000 | 500,597,000 | 512,305,000 | 515,273,000 |
| Total loans | 325,133,000 | 328,906,000 | 332,314,000 | 340,114,000 |
| Allowance for loan losses | 1,838,000 | 2,801,000 | 2,797,000 | 2,807,000 |
| Securities available for sale | 112,007,000 | 106,765,000 | 101,567,000 | 98,046,000 |
| Securities held to maturity | 13,517,000 | 21,000,000 | 32,931,000 | 32,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,140,000 | 337,414,000 | 334,180,000 | 350,305,000 |
| Interest-bearing deposits | 309,117,000 | 307,643,000 | 304,540,000 | 321,327,000 |
| Noninterest-bearing deposits | 28,023,000 | 29,771,000 | 29,640,000 | 28,978,000 |
| Equity capital | 34,671,000 | 33,198,000 | 34,971,000 | 35,961,000 |
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 | 7,472,000 | 15,155,000 | 23,077,000 | 31,015,000 |
| Interest expense | 3,986,000 | 8,073,000 | 12,257,000 | 16,498,000 |
| Net interest income | 3,486,000 | 7,082,000 | 10,820,000 | 14,517,000 |
| Noninterest income | 718,000 | 1,567,000 | 2,508,000 | 3,396,000 |
| Noninterest expense | 3,521,000 | 7,126,000 | 10,910,000 | 14,768,000 |
| Provision for loan losses | 174,000 | 1,223,000 | 1,298,000 | 1,373,000 |
| Pretax income | 577,000 | 533,000 | 1,358,000 | 2,112,000 |
| Income tax | 168,000 | 283,000 | 512,000 | 722,000 |
| Net income | 409,000 | 250,000 | 846,000 | 1,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,209,000 | 36,098,000 | 36,957,000 | 37,501,000 |
| Total capital | 38,047,000 | 38,899,000 | 39,796,000 | 40,354,000 |
| Risk-weighted assets | 315,538,000 | 339,223,000 | 348,791,000 | 346,677,000 |