Call reports 2005
MIDDLETOWN VALLEY BANK — 2005
What MIDDLETOWN VALLEY BANK 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 | 150,722,000 | 149,800,000 | 149,142,000 | 149,680,000 |
| Total loans | 67,572,000 | 70,369,000 | 70,367,000 | 72,359,000 |
| Allowance for loan losses | 2,471,000 | 2,470,000 | 2,470,000 | 2,470,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 71,912,000 | 67,622,000 | 67,580,000 | 67,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,156,000 | 117,968,000 | 116,684,000 | 116,889,000 |
| Interest-bearing deposits | 81,686,000 | 80,860,000 | 81,312,000 | 78,778,000 |
| Noninterest-bearing deposits | 37,470,000 | 37,108,000 | 35,372,000 | 38,111,000 |
| Equity capital | 31,174,000 | 31,767,000 | 32,361,000 | 32,697,000 |
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 | 1,800,000 | 3,625,000 | 5,474,000 | 7,338,000 |
| Interest expense | 84,000 | 170,000 | 269,000 | 378,000 |
| Net interest income | 1,716,000 | 3,455,000 | 5,205,000 | 6,960,000 |
| Noninterest income | 251,000 | 497,000 | 732,000 | 965,000 |
| Noninterest expense | 719,000 | 1,440,000 | 2,159,000 | 3,007,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,248,000 | 2,512,000 | 3,778,000 | 4,918,000 |
| Income tax | 432,000 | 899,000 | 1,367,000 | 1,787,000 |
| Net income | 816,000 | 1,613,000 | 2,411,000 | 3,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,174,000 | 31,767,000 | 32,361,000 | 32,697,000 |
| Total capital | 31,906,000 | 32,509,000 | 33,100,000 | 33,457,000 |
| Risk-weighted assets | 56,832,000 | 57,611,000 | 57,427,000 | 59,061,000 |