Call reports 2004
MANASQUAN BANK — 2004
What MANASQUAN 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 | 486,997,000 | 498,546,000 | 508,945,000 | 509,877,000 |
| Total loans | 307,405,000 | 321,808,000 | 339,116,000 | 344,634,000 |
| Allowance for loan losses | 2,081,000 | 2,156,000 | 2,261,000 | 2,366,000 |
| Securities available for sale | 18,084,000 | 37,356,000 | 37,593,000 | 37,853,000 |
| Securities held to maturity | 127,748,000 | 107,949,000 | 95,702,000 | 98,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,840,000 | 439,415,000 | 447,223,000 | 448,730,000 |
| Interest-bearing deposits | 403,973,000 | 415,833,000 | 425,002,000 | 426,237,000 |
| Noninterest-bearing deposits | 24,867,000 | 23,582,000 | 22,221,000 | 22,493,000 |
| Equity capital | 54,147,000 | 55,339,000 | 56,721,000 | 57,982,000 |
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 | 5,804,000 | 11,521,000 | 17,504,000 | 23,576,000 |
| Interest expense | 1,791,000 | 3,581,000 | 5,461,000 | 7,474,000 |
| Net interest income | 4,013,000 | 7,940,000 | 12,043,000 | 16,102,000 |
| Noninterest income | 65,000 | 131,000 | 200,000 | 264,000 |
| Noninterest expense | 2,053,000 | 4,097,000 | 6,255,000 | 8,623,000 |
| Provision for loan losses | 60,000 | 135,000 | 240,000 | 345,000 |
| Pretax income | 1,965,000 | 3,839,000 | 5,732,000 | 7,382,000 |
| Income tax | 782,000 | 1,527,000 | 2,279,000 | 2,923,000 |
| Net income | 1,183,000 | 2,312,000 | 3,453,000 | 4,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,328,000 | 53,456,000 | 54,597,000 | 55,604,000 |
| Total capital | 55,772,000 | 56,973,000 | 58,330,000 | 59,682,000 |
| Risk-weighted assets | 239,000,000 | 237,257,000 | 257,527,000 | 262,569,000 |
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