Call reports 2003
MENARD BANK — 2003
What MENARD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,311,000 | 27,031,000 | 27,088,000 | 28,926,000 |
| Total loans | 10,329,000 | 10,014,000 | 9,761,000 | 10,176,000 |
| Allowance for loan losses | 123,000 | 123,000 | 122,000 | 122,000 |
| Securities available for sale | 12,668,000 | 14,446,000 | 14,853,000 | 15,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,540,000 | 23,151,000 | 23,280,000 | 25,414,000 |
| Interest-bearing deposits | 20,115,000 | 19,699,000 | 19,719,000 | 21,436,000 |
| Noninterest-bearing deposits | 3,425,000 | 3,452,000 | 3,561,000 | 3,978,000 |
| Equity capital | 3,743,000 | 3,852,000 | 3,772,000 | 3,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 646,000 | 960,000 | 1,282,000 |
| Interest expense | 78,000 | 154,000 | 224,000 | 291,000 |
| Net interest income | 246,000 | 492,000 | 736,000 | 991,000 |
| Noninterest income | 24,000 | 48,000 | 105,000 | 133,000 |
| Noninterest expense | 201,000 | 381,000 | 562,000 | 758,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 159,000 | 279,000 | 366,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 66,000 | 153,000 | 270,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,408,000 | 3,495,000 | 3,612,000 | 3,380,000 |
| Total capital | 3,531,000 | 3,618,000 | 3,734,000 | 3,502,000 |
| Risk-weighted assets | 13,504,000 | 13,024,000 | 13,032,000 | 13,593,000 |