Call reports 2004
MNB BANK — 2004
What MNB 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 | 192,720,000 | 200,444,000 | 204,734,000 | 201,043,000 |
| Total loans | 120,980,000 | 126,887,000 | 128,753,000 | 132,639,000 |
| Allowance for loan losses | 3,271,000 | 3,255,000 | 3,237,000 | 3,290,000 |
| Securities available for sale | 58,185,000 | 59,516,000 | 58,972,000 | 54,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,503,000 | 154,690,000 | 157,304,000 | 153,926,000 |
| Interest-bearing deposits | 135,908,000 | 139,324,000 | 141,958,000 | 135,595,000 |
| Noninterest-bearing deposits | 14,595,000 | 15,366,000 | 15,346,000 | 18,331,000 |
| Equity capital | 29,683,000 | 29,006,000 | 30,013,000 | 29,848,000 |
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 | 2,549,000 | 5,093,000 | 7,776,000 | 10,616,000 |
| Interest expense | 827,000 | 1,662,000 | 2,589,000 | 3,548,000 |
| Net interest income | 1,722,000 | 3,431,000 | 5,187,000 | 7,068,000 |
| Noninterest income | 268,000 | 506,000 | 761,000 | 1,016,000 |
| Noninterest expense | 1,012,000 | 2,123,000 | 3,254,000 | 4,511,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 123,000 |
| Pretax income | 933,000 | 1,769,000 | 2,649,000 | 3,451,000 |
| Income tax | 261,000 | 485,000 | 724,000 | 930,000 |
| Net income | 672,000 | 1,284,000 | 1,925,000 | 2,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,522,000 | 28,506,000 | 29,158,000 | 29,151,000 |
| Total capital | 30,379,000 | 30,441,000 | 31,118,000 | 31,123,000 |
| Risk-weighted assets | 147,184,000 | 153,453,000 | 155,516,000 | 156,462,000 |
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