Call reports 2004
MIDDLETOWN VALLEY BANK — 2004
What MIDDLETOWN VALLEY 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 | 146,822,000 | 148,698,000 | 147,030,000 | 148,029,000 |
| Total loans | 60,569,000 | 61,146,000 | 64,662,000 | 66,851,000 |
| Allowance for loan losses | 2,488,000 | 2,486,000 | 2,485,000 | 2,491,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 65,377,000 | 71,542,000 | 71,455,000 | 68,974,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,251,000 | 118,982,000 | 116,793,000 | 117,398,000 |
| Interest-bearing deposits | 83,990,000 | 85,246,000 | 81,876,000 | 82,011,000 |
| Noninterest-bearing deposits | 33,261,000 | 33,736,000 | 34,917,000 | 35,387,000 |
| Equity capital | 29,114,000 | 29,670,000 | 30,172,000 | 30,562,000 |
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 | 1,732,000 | 3,486,000 | 5,191,000 | 6,963,000 |
| Interest expense | 101,000 | 191,000 | 281,000 | 368,000 |
| Net interest income | 1,631,000 | 3,295,000 | 4,910,000 | 6,595,000 |
| Noninterest income | 231,000 | 452,000 | 715,000 | 965,000 |
| Noninterest expense | 669,000 | 1,374,000 | 2,022,000 | 2,845,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 1,195,000 | 2,375,000 | 3,605,000 | 4,707,000 |
| Income tax | 401,000 | 833,000 | 1,276,000 | 1,675,000 |
| Net income | 794,000 | 1,542,000 | 2,329,000 | 3,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,114,000 | 29,670,000 | 30,172,000 | 30,562,000 |
| Total capital | 29,792,000 | 30,348,000 | 30,871,000 | 31,283,000 |
| Risk-weighted assets | 52,396,000 | 52,403,000 | 54,160,000 | 55,884,000 |
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