Call reports 2005
MUTUALONE BANK — 2005
What MUTUALONE 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 | 306,236,000 | 308,907,000 | 310,802,000 | 309,963,000 |
| Total loans | 216,204,000 | 219,605,000 | 218,942,000 | 225,690,000 |
| Allowance for loan losses | 4,623,000 | 4,673,000 | 4,673,000 | 4,669,000 |
| Securities available for sale | 78,515,000 | 74,909,000 | 75,538,000 | 68,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,571,000 | 236,316,000 | 236,614,000 | 235,248,000 |
| Interest-bearing deposits | 217,145,000 | 221,791,000 | 219,741,000 | 216,029,000 |
| Noninterest-bearing deposits | 13,426,000 | 14,525,000 | 16,873,000 | 19,219,000 |
| Equity capital | 64,113,000 | 65,855,000 | 66,962,000 | 67,797,000 |
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 | 4,428,000 | 9,020,000 | 13,681,000 | 18,491,000 |
| Interest expense | 1,259,000 | 2,625,000 | 4,072,000 | 5,589,000 |
| Net interest income | 3,169,000 | 6,395,000 | 9,609,000 | 12,902,000 |
| Noninterest income | 123,000 | 338,000 | 497,000 | 647,000 |
| Noninterest expense | 1,363,000 | 2,857,000 | 4,303,000 | 5,817,000 |
| Provision for loan losses | 105,000 | 140,000 | 140,000 | 140,000 |
| Pretax income | 1,798,000 | 3,710,000 | 5,637,000 | 7,566,000 |
| Income tax | 651,000 | 1,342,000 | 2,043,000 | 2,756,000 |
| Net income | 1,147,000 | 2,368,000 | 3,594,000 | 4,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,877,000 | 64,098,000 | 65,324,000 | 66,539,000 |
| Total capital | 67,250,000 | 68,691,000 | 70,055,000 | 71,080,000 |
| Risk-weighted assets | 246,696,000 | 249,152,000 | 249,422,000 | 248,372,000 |