Call reports 2005
MALVERN NATIONAL BANK, THE — 2005
What MALVERN NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 395,297,000 | 388,795,000 | 384,732,000 | 393,923,000 |
| Total loans | 201,235,000 | 209,121,000 | 215,127,000 | 216,584,000 |
| Allowance for loan losses | 1,437,000 | 1,395,000 | 1,458,000 | 1,525,000 |
| Securities available for sale | 157,319,000 | 142,298,000 | 132,592,000 | 136,784,000 |
| Securities held to maturity | 5,555,000 | 5,540,000 | 5,507,000 | 6,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,006,000 | 311,729,000 | 313,659,000 | 326,495,000 |
| Interest-bearing deposits | 307,002,000 | 294,031,000 | 297,379,000 | 311,149,000 |
| Noninterest-bearing deposits | 14,004,000 | 17,698,000 | 16,280,000 | 15,346,000 |
| Equity capital | 37,447,000 | 39,209,000 | 39,951,000 | 39,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,752,000 | 9,615,000 | 14,551,000 | 19,670,000 |
| Interest expense | 1,452,000 | 3,053,000 | 4,785,000 | 6,606,000 |
| Net interest income | 3,300,000 | 6,562,000 | 9,766,000 | 13,064,000 |
| Noninterest income | 507,000 | 1,004,000 | 1,663,000 | 2,400,000 |
| Noninterest expense | 2,382,000 | 4,778,000 | 7,155,000 | 9,495,000 |
| Provision for loan losses | 0 | 34,000 | 121,000 | 260,000 |
| Pretax income | 1,430,000 | 2,763,000 | 4,171,000 | 5,726,000 |
| Income tax | 459,000 | 871,000 | 1,308,000 | 1,868,000 |
| Net income | 971,000 | 1,892,000 | 2,863,000 | 3,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,756,000 | 39,671,000 | 40,642,000 | 40,637,000 |
| Total capital | 40,193,000 | 41,087,000 | 42,122,000 | 42,196,000 |
| Risk-weighted assets | 244,191,000 | 247,254,000 | 252,465,000 | 255,626,000 |
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