Call reports 2003
MUTUALONE BANK — 2003
What MUTUALONE 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 | 288,719,000 | 291,244,000 | 302,933,000 | 298,739,000 |
| Total loans | 192,158,000 | 187,478,000 | 198,618,000 | 207,924,000 |
| Allowance for loan losses | 3,454,000 | 3,481,000 | 3,340,000 | 3,372,000 |
| Securities available for sale | 84,174,000 | 88,922,000 | 85,759,000 | 80,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,627,000 | 226,722,000 | 223,541,000 | 224,906,000 |
| Interest-bearing deposits | 216,172,000 | 216,927,000 | 213,266,000 | 211,784,000 |
| Noninterest-bearing deposits | 9,455,000 | 9,795,000 | 10,275,000 | 13,122,000 |
| Equity capital | 55,309,000 | 56,995,000 | 57,927,000 | 58,992,000 |
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 | 4,457,000 | 8,959,000 | 13,465,000 | 17,815,000 |
| Interest expense | 1,551,000 | 2,986,000 | 4,268,000 | 5,503,000 |
| Net interest income | 2,906,000 | 5,973,000 | 9,197,000 | 12,312,000 |
| Noninterest income | 172,000 | 375,000 | 554,000 | 711,000 |
| Noninterest expense | 1,199,000 | 2,722,000 | 4,125,000 | 5,681,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,866,000 | 3,628,000 | 5,662,000 | 7,390,000 |
| Income tax | 732,000 | 1,449,000 | 2,235,000 | 2,894,000 |
| Net income | 1,134,000 | 2,179,000 | 3,427,000 | 4,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,871,000 | 54,916,000 | 56,164,000 | 57,233,000 |
| Total capital | 56,993,000 | 58,336,000 | 59,618,000 | 61,016,000 |
| Risk-weighted assets | 226,348,000 | 221,094,000 | 225,288,000 | 231,795,000 |