Call reports 2005
MANASQUAN BANK — 2005
What MANASQUAN 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 | 518,934,000 | 535,274,000 | 549,010,000 | 549,288,000 |
| Total loans | 356,043,000 | 369,279,000 | 384,711,000 | 392,905,000 |
| Allowance for loan losses | 2,471,000 | 2,576,000 | 2,670,000 | 2,775,000 |
| Securities available for sale | 36,703,000 | 36,740,000 | 35,791,000 | 20,875,000 |
| Securities held to maturity | 105,915,000 | 105,895,000 | 108,337,000 | 104,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,338,000 | 435,723,000 | 434,812,000 | 460,231,000 |
| Interest-bearing deposits | 416,966,000 | 410,605,000 | 407,163,000 | 432,453,000 |
| Noninterest-bearing deposits | 22,372,000 | 25,118,000 | 27,649,000 | 27,778,000 |
| Equity capital | 58,583,000 | 59,854,000 | 60,470,000 | 61,629,000 |
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 | 6,159,000 | 12,601,000 | 19,304,000 | 26,225,000 |
| Interest expense | 2,062,000 | 4,437,000 | 7,128,000 | 10,244,000 |
| Net interest income | 4,097,000 | 8,164,000 | 12,176,000 | 15,981,000 |
| Noninterest income | 60,000 | 125,000 | 200,000 | 269,000 |
| Noninterest expense | 2,163,000 | 4,400,000 | 6,687,000 | 8,859,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,889,000 | 3,679,000 | 5,374,000 | 6,975,000 |
| Income tax | 702,000 | 1,377,000 | 2,014,000 | 2,612,000 |
| Net income | 1,187,000 | 2,302,000 | 3,360,000 | 4,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,792,000 | 57,906,000 | 58,964,000 | 59,967,000 |
| Total capital | 60,684,000 | 61,931,000 | 62,829,000 | 64,138,000 |
| Risk-weighted assets | 268,220,000 | 279,074,000 | 290,900,000 | 283,169,000 |