Call reports 2003
MIDDLETOWN VALLEY BANK — 2003
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 134,600,000 | 134,453,000 | 138,334,000 | 142,142,000 |
| Total loans | 58,534,000 | 57,302,000 | 57,065,000 | 58,006,000 |
| Allowance for loan losses | 2,453,000 | 2,449,000 | 2,449,000 | 2,487,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 56,711,000 | 59,013,000 | 63,478,000 | 70,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,112,000 | 106,790,000 | 110,123,000 | 113,542,000 |
| Interest-bearing deposits | 79,620,000 | 78,975,000 | 79,871,000 | 80,549,000 |
| Noninterest-bearing deposits | 27,492,000 | 27,815,000 | 30,252,000 | 32,993,000 |
| Equity capital | 27,032,000 | 27,600,000 | 28,149,000 | 28,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,814,000 | 3,613,000 | 5,353,000 | 7,071,000 |
| Interest expense | 192,000 | 342,000 | 468,000 | 576,000 |
| Net interest income | 1,622,000 | 3,271,000 | 4,885,000 | 6,495,000 |
| Noninterest income | 210,000 | 428,000 | 649,000 | 872,000 |
| Noninterest expense | 646,000 | 1,331,000 | 2,008,000 | 2,789,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 1,186,000 | 2,368,000 | 3,526,000 | 4,538,000 |
| Income tax | 406,000 | 840,000 | 1,269,000 | 1,642,000 |
| Net income | 780,000 | 1,528,000 | 2,257,000 | 2,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,032,000 | 27,600,000 | 28,149,000 | 28,512,000 |
| Total capital | 27,648,000 | 28,211,000 | 28,759,000 | 29,142,000 |
| Risk-weighted assets | 47,450,000 | 47,013,000 | 46,933,000 | 48,537,000 |