Call reports 2004
CENTRAL BANK OF MOBERLY — 2004
What CENTRAL BANK OF MOBERLY 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 | 152,910,000 | 147,496,000 | 143,886,000 | 152,311,000 |
| Total loans | 64,157,000 | 67,777,000 | 76,666,000 | 76,683,000 |
| Allowance for loan losses | 1,413,000 | 1,401,000 | 1,361,000 | 1,410,000 |
| Securities available for sale | 67,022,000 | 63,094,000 | 58,976,000 | 56,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,773,000 | 118,502,000 | 114,686,000 | 123,058,000 |
| Interest-bearing deposits | 101,568,000 | 97,165,000 | 93,867,000 | 101,593,000 |
| Noninterest-bearing deposits | 20,205,000 | 21,337,000 | 20,819,000 | 21,465,000 |
| Equity capital | 12,246,000 | 11,286,000 | 11,766,000 | 11,711,000 |
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 | 1,473,000 | 2,957,000 | 4,498,000 | 6,113,000 |
| Interest expense | 424,000 | 831,000 | 1,250,000 | 1,704,000 |
| Net interest income | 1,049,000 | 2,126,000 | 3,248,000 | 4,409,000 |
| Noninterest income | 367,000 | 779,000 | 1,168,000 | 1,550,000 |
| Noninterest expense | 926,000 | 1,821,000 | 2,735,000 | 3,502,000 |
| Provision for loan losses | 7,000 | 17,000 | 31,000 | 139,000 |
| Pretax income | 483,000 | 1,067,000 | 1,652,000 | 2,320,000 |
| Income tax | 180,000 | 398,000 | 617,000 | 866,000 |
| Net income | 303,000 | 669,000 | 1,035,000 | 1,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,064,000 | 12,080,000 | 12,096,000 | 12,115,000 |
| Total capital | 13,068,000 | 13,128,000 | 13,217,000 | 13,286,000 |
| Risk-weighted assets | 79,932,000 | 83,516,000 | 89,006,000 | 93,406,000 |