Call reports 2005
MEDINA VALLEY STATE BANK — 2005
What MEDINA VALLEY STATE 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 | 74,153,000 | 72,892,000 | 73,349,000 | 73,330,000 |
| Total loans | 22,127,000 | 21,381,000 | 21,329,000 | 20,758,000 |
| Allowance for loan losses | 426,000 | 459,000 | 485,000 | 451,000 |
| Securities available for sale | 32,251,000 | 32,625,000 | 32,807,000 | 34,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,253,000 | 64,604,000 | 65,211,000 | 65,443,000 |
| Interest-bearing deposits | 52,034,000 | 52,307,000 | 52,094,000 | 52,669,000 |
| Noninterest-bearing deposits | 14,219,000 | 12,297,000 | 13,117,000 | 12,774,000 |
| Equity capital | 7,434,000 | 7,765,000 | 7,596,000 | 7,412,000 |
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 | 813,000 | 1,672,000 | 2,545,000 | 3,462,000 |
| Interest expense | 207,000 | 435,000 | 678,000 | 939,000 |
| Net interest income | 606,000 | 1,237,000 | 1,867,000 | 2,523,000 |
| Noninterest income | 193,000 | 396,000 | 587,000 | 804,000 |
| Noninterest expense | 508,000 | 1,042,000 | 1,692,000 | 2,297,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 264,000 | 534,000 | 685,000 | 953,000 |
| Income tax | -4,000 | 59,000 | 108,000 | 156,000 |
| Net income | 268,000 | 475,000 | 577,000 | 797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,744,000 | 7,952,000 | 7,853,000 | 7,924,000 |
| Total capital | 8,118,000 | 8,317,000 | 8,214,000 | 8,288,000 |
| Risk-weighted assets | 29,873,000 | 29,130,000 | 28,855,000 | 29,091,000 |