Call reports 2004
MUTUAL SAVINGS BANK — 2004
What MUTUAL SAVINGS 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 | 106,989,000 | 120,133,000 | 121,597,000 | 122,168,000 |
| Total loans | 94,302,000 | 97,469,000 | 97,612,000 | 99,834,000 |
| Allowance for loan losses | 1,033,000 | 1,007,000 | 1,024,000 | 1,012,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,699,000 | 0 | 5,693,000 | 6,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,486,000 | 86,262,000 | 87,695,000 | 88,747,000 |
| Interest-bearing deposits | 74,987,000 | 73,512,000 | 74,437,000 | 78,652,000 |
| Noninterest-bearing deposits | 6,499,000 | 12,750,000 | 13,258,000 | 10,095,000 |
| Equity capital | 8,158,000 | 15,191,000 | 14,994,000 | 15,143,000 |
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 | 1,502,000 | 3,013,000 | 4,545,000 | 6,148,000 |
| Interest expense | 466,000 | 928,000 | 1,410,000 | 1,910,000 |
| Net interest income | 1,036,000 | 2,085,000 | 3,135,000 | 4,238,000 |
| Noninterest income | 175,000 | 437,000 | 607,000 | 790,000 |
| Noninterest expense | 998,000 | 1,883,000 | 2,864,000 | 3,957,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 36,000 |
| Pretax income | 201,000 | 615,000 | 842,000 | 1,035,000 |
| Income tax | 83,000 | 244,000 | 333,000 | 411,000 |
| Net income | 118,000 | 371,000 | 509,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,158,000 | 15,191,000 | 14,994,000 | 15,143,000 |
| Total capital | 9,094,000 | 16,187,000 | 15,993,000 | 16,155,000 |
| Risk-weighted assets | 74,820,000 | 79,704,000 | 79,867,000 | 82,473,000 |
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