Call reports 2004
MEDINA VALLEY STATE BANK — 2004
What MEDINA VALLEY STATE 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 | 66,767,000 | 64,967,000 | 66,446,000 | 71,294,000 |
| Total loans | 23,223,000 | 23,002,000 | 22,916,000 | 22,453,000 |
| Allowance for loan losses | 609,000 | 581,000 | 558,000 | 564,000 |
| Securities available for sale | 27,450,000 | 27,129,000 | 26,180,000 | 29,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,679,000 | 57,139,000 | 58,401,000 | 63,465,000 |
| Interest-bearing deposits | 47,534,000 | 46,174,000 | 47,336,000 | 51,696,000 |
| Noninterest-bearing deposits | 11,145,000 | 10,965,000 | 11,065,000 | 11,769,000 |
| Equity capital | 7,684,000 | 7,378,000 | 7,594,000 | 7,446,000 |
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 | 748,000 | 1,457,000 | 2,193,000 | 2,974,000 |
| Interest expense | 177,000 | 351,000 | 525,000 | 720,000 |
| Net interest income | 571,000 | 1,106,000 | 1,668,000 | 2,254,000 |
| Noninterest income | 209,000 | 408,000 | 600,000 | 809,000 |
| Noninterest expense | 543,000 | 1,052,000 | 1,560,000 | 2,175,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 282,000 | 477,000 | 697,000 | 847,000 |
| Income tax | -2,000 | 73,000 | 131,000 | 190,000 |
| Net income | 284,000 | 404,000 | 566,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,454,000 | 7,573,000 | 7,535,000 | 7,476,000 |
| Total capital | 7,809,000 | 7,929,000 | 7,892,000 | 7,841,000 |
| Risk-weighted assets | 28,220,000 | 28,400,000 | 28,563,000 | 29,037,000 |