Call reports 2004
MENARD BANK — 2004
What MENARD 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 | 27,907,000 | 29,158,000 | 30,182,000 | 30,847,000 |
| Total loans | 10,254,000 | 10,820,000 | 11,007,000 | 10,741,000 |
| Allowance for loan losses | 122,000 | 97,000 | 107,000 | 107,000 |
| Securities available for sale | 15,419,000 | 15,092,000 | 15,097,000 | 16,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,230,000 | 25,752,000 | 26,439,000 | 27,489,000 |
| Interest-bearing deposits | 20,748,000 | 21,556,000 | 22,736,000 | 23,372,000 |
| Noninterest-bearing deposits | 3,482,000 | 4,196,000 | 3,703,000 | 4,117,000 |
| Equity capital | 3,653,000 | 3,375,000 | 3,710,000 | 3,337,000 |
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 | 328,000 | 647,000 | 981,000 | 1,320,000 |
| Interest expense | 65,000 | 130,000 | 203,000 | 290,000 |
| Net interest income | 263,000 | 517,000 | 778,000 | 1,030,000 |
| Noninterest income | 26,000 | 50,000 | 70,000 | 90,000 |
| Noninterest expense | 181,000 | 360,000 | 538,000 | 749,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 108,000 | 207,000 | 300,000 | 361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 108,000 | 207,000 | 300,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,488,000 | 3,587,000 | 3,680,000 | 3,416,000 |
| Total capital | 3,610,000 | 3,684,000 | 3,787,000 | 3,523,000 |
| Risk-weighted assets | 13,566,000 | 14,192,000 | 14,726,000 | 14,459,000 |