Call reports 2004
MA BANK — 2004
What MA 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 | 134,305,000 | 133,786,000 | 130,911,000 | 131,495,000 |
| Total loans | 79,987,000 | 82,213,000 | 81,472,000 | 82,386,000 |
| Allowance for loan losses | 948,000 | 929,000 | 942,000 | 886,000 |
| Securities available for sale | 40,634,000 | 38,608,000 | 35,354,000 | 33,321,000 |
| Securities held to maturity | 315,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,957,000 | 111,604,000 | 111,146,000 | 113,196,000 |
| Interest-bearing deposits | 102,426,000 | 101,119,000 | 100,866,000 | 101,917,000 |
| Noninterest-bearing deposits | 11,531,000 | 10,485,000 | 10,280,000 | 11,279,000 |
| Equity capital | 17,350,000 | 17,383,000 | 17,919,000 | 16,459,000 |
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 | 1,576,000 | 3,141,000 | 4,738,000 | 6,316,000 |
| Interest expense | 487,000 | 965,000 | 1,447,000 | 1,938,000 |
| Net interest income | 1,089,000 | 2,176,000 | 3,291,000 | 4,378,000 |
| Noninterest income | 212,000 | 532,000 | 864,000 | 1,118,000 |
| Noninterest expense | 796,000 | 1,643,000 | 2,473,000 | 3,403,000 |
| Provision for loan losses | 0 | 10,000 | 12,000 | 15,000 |
| Pretax income | 505,000 | 1,055,000 | 1,670,000 | 2,078,000 |
| Income tax | 141,000 | 297,000 | 500,000 | 618,000 |
| Net income | 364,000 | 758,000 | 1,170,000 | 1,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,039,000 | 17,432,000 | 17,844,000 | 16,469,000 |
| Total capital | 17,987,000 | 18,361,000 | 18,786,000 | 17,355,000 |
| Risk-weighted assets | 87,186,000 | 89,524,000 | 88,905,000 | 89,074,000 |
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