Call reports 2004
MAYNARD SAVINGS BANK — 2004
What MAYNARD SAVINGS 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 | 39,913,000 | 38,811,000 | 39,015,000 | 40,195,000 |
| Total loans | 18,241,000 | 18,437,000 | 17,878,000 | 17,536,000 |
| Allowance for loan losses | 311,000 | 316,000 | 335,000 | 332,000 |
| Securities available for sale | 15,692,000 | 16,944,000 | 17,728,000 | 17,475,000 |
| Securities held to maturity | 1,999,000 | 1,474,000 | 1,439,000 | 1,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,288,000 | 30,168,000 | 29,590,000 | 31,715,000 |
| Interest-bearing deposits | 27,573,000 | 26,723,000 | 26,796,000 | 27,566,000 |
| Noninterest-bearing deposits | 3,715,000 | 3,445,000 | 2,794,000 | 4,149,000 |
| Equity capital | 5,010,000 | 4,850,000 | 5,021,000 | 4,927,000 |
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 | 510,000 | 1,027,000 | 1,574,000 | 2,068,000 |
| Interest expense | 167,000 | 327,000 | 493,000 | 664,000 |
| Net interest income | 343,000 | 700,000 | 1,081,000 | 1,404,000 |
| Noninterest income | 57,000 | 114,000 | 174,000 | 230,000 |
| Noninterest expense | 200,000 | 378,000 | 568,000 | 771,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 192,000 | 421,000 | 664,000 | 833,000 |
| Income tax | 38,000 | 89,000 | 147,000 | 176,000 |
| Net income | 154,000 | 332,000 | 517,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,792,000 | 4,850,000 | 4,892,000 | 4,863,000 |
| Total capital | 5,087,000 | 5,144,000 | 5,185,000 | 5,155,000 |
| Risk-weighted assets | 23,617,000 | 23,484,000 | 23,413,000 | 23,329,000 |