Call reports 2004
MUTUALONE BANK — 2004
What MUTUALONE 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 | 301,463,000 | 301,423,000 | 302,108,000 | 306,542,000 |
| Total loans | 210,200,000 | 206,914,000 | 206,636,000 | 214,865,000 |
| Allowance for loan losses | 3,448,000 | 3,581,000 | 3,681,000 | 4,518,000 |
| Securities available for sale | 74,602,000 | 82,537,000 | 82,615,000 | 82,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,485,000 | 232,127,000 | 233,231,000 | 231,654,000 |
| Interest-bearing deposits | 214,979,000 | 218,299,000 | 217,498,000 | 217,847,000 |
| Noninterest-bearing deposits | 14,506,000 | 13,828,000 | 15,733,000 | 13,807,000 |
| Equity capital | 60,477,000 | 60,744,000 | 62,155,000 | 63,376,000 |
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 | 4,368,000 | 8,695,000 | 12,925,000 | 17,192,000 |
| Interest expense | 1,184,000 | 2,365,000 | 3,559,000 | 4,783,000 |
| Net interest income | 3,184,000 | 6,330,000 | 9,366,000 | 12,409,000 |
| Noninterest income | 120,000 | 286,000 | 428,000 | 1,651,000 |
| Noninterest expense | 1,406,000 | 2,834,000 | 4,215,000 | 6,498,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 1,145,000 |
| Pretax income | 1,865,000 | 3,556,000 | 5,301,000 | 6,515,000 |
| Income tax | 639,000 | 1,230,000 | 1,872,000 | 2,018,000 |
| Net income | 1,226,000 | 2,326,000 | 3,429,000 | 4,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,459,000 | 59,559,000 | 60,662,000 | 61,730,000 |
| Total capital | 62,310,000 | 63,442,000 | 64,519,000 | 65,973,000 |
| Risk-weighted assets | 232,659,000 | 234,558,000 | 234,189,000 | 245,179,000 |
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