Call reports 2004
MALVERN NATIONAL BANK, THE — 2004
What MALVERN NATIONAL BANK, THE 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 | 379,693,000 | 383,229,000 | 391,632,000 | 400,064,000 |
| Total loans | 176,459,000 | 182,810,000 | 188,430,000 | 196,357,000 |
| Allowance for loan losses | 1,597,000 | 1,576,000 | 1,529,000 | 1,460,000 |
| Securities available for sale | 173,399,000 | 165,334,000 | 162,296,000 | 163,764,000 |
| Securities held to maturity | 5,406,000 | 5,436,000 | 5,465,000 | 5,541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,140,000 | 317,161,000 | 320,128,000 | 323,552,000 |
| Interest-bearing deposits | 302,241,000 | 300,944,000 | 301,238,000 | 307,044,000 |
| Noninterest-bearing deposits | 14,899,000 | 16,217,000 | 18,890,000 | 16,508,000 |
| Equity capital | 37,318,000 | 35,220,000 | 38,409,000 | 37,772,000 |
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 | 4,679,000 | 9,381,000 | 14,061,000 | 18,778,000 |
| Interest expense | 1,204,000 | 2,414,000 | 3,631,000 | 4,965,000 |
| Net interest income | 3,475,000 | 6,967,000 | 10,430,000 | 13,813,000 |
| Noninterest income | 523,000 | 1,019,000 | 1,529,000 | 1,997,000 |
| Noninterest expense | 2,271,000 | 4,603,000 | 6,951,000 | 9,473,000 |
| Provision for loan losses | 50,000 | 121,000 | 125,000 | 128,000 |
| Pretax income | 1,677,000 | 3,284,000 | 4,947,000 | 6,273,000 |
| Income tax | 568,000 | 1,108,000 | 1,642,000 | 1,932,000 |
| Net income | 1,109,000 | 2,176,000 | 3,305,000 | 4,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,748,000 | 36,814,000 | 37,943,000 | 37,779,000 |
| Total capital | 37,345,000 | 38,390,000 | 39,472,000 | 39,239,000 |
| Risk-weighted assets | 213,997,000 | 223,125,000 | 231,215,000 | 239,274,000 |
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