Call reports 2001
MASSACHUSETTS CO-OPERATIVE BANK — 2001
What MASSACHUSETTS CO-OPERATIVE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 115,921,000 | 115,649,000 | 123,144,000 | 120,995,000 |
| Total loans | 88,789,000 | 83,942,000 | 85,750,000 | 83,594,000 |
| Allowance for loan losses | 758,000 | 714,000 | 714,000 | 698,000 |
| Securities available for sale | 15,170,000 | 21,102,000 | 21,658,000 | 22,663,000 |
| Securities held to maturity | 510,000 | 507,000 | 505,000 | 502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,946,000 | 88,542,000 | 96,984,000 | 101,542,000 |
| Interest-bearing deposits | 83,717,000 | 78,100,000 | 83,855,000 | 90,513,000 |
| Noninterest-bearing deposits | 9,229,000 | 10,442,000 | 13,129,000 | 11,029,000 |
| Equity capital | 8,333,000 | 8,606,000 | 8,768,000 | 8,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,076,000 | 4,151,000 | 6,200,000 | 7,981,000 |
| Interest expense | 1,194,000 | 2,307,000 | 3,330,000 | 4,156,000 |
| Net interest income | 882,000 | 1,844,000 | 2,870,000 | 3,825,000 |
| Noninterest income | 193,000 | 513,000 | 765,000 | 1,122,000 |
| Noninterest expense | 812,000 | 1,722,000 | 2,580,000 | 3,764,000 |
| Provision for loan losses | -17,000 | -73,000 | -83,000 | -127,000 |
| Pretax income | 280,000 | 708,000 | 1,138,000 | 1,277,000 |
| Income tax | 97,000 | 257,000 | 416,000 | 566,000 |
| Net income | 183,000 | 451,000 | 722,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,351,000 | 8,607,000 | 8,590,000 | 8,587,000 |
| Total capital | 9,109,000 | 9,324,000 | 9,304,000 | 9,285,000 |
| Risk-weighted assets | 65,873,000 | 72,080,000 | 74,195,000 | 72,785,000 |