Call reports 2005
MENARD BANK — 2005
What MENARD 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 | 32,252,000 | 30,583,000 | 30,822,000 | 31,739,000 |
| Total loans | 10,673,000 | 10,918,000 | 11,062,000 | 12,285,000 |
| Allowance for loan losses | 107,000 | 80,000 | 89,000 | 92,000 |
| Securities available for sale | 16,907,000 | 16,768,000 | 15,697,000 | 15,182,000 |
| Securities held to maturity | 247,000 | 488,000 | 1,124,000 | 1,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,001,000 | 27,187,000 | 27,403,000 | 28,086,000 |
| Interest-bearing deposits | 25,033,000 | 23,762,000 | 23,689,000 | 23,294,000 |
| Noninterest-bearing deposits | 3,968,000 | 3,425,000 | 3,714,000 | 4,792,000 |
| Equity capital | 3,222,000 | 3,368,000 | 3,388,000 | 3,127,000 |
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 | 351,000 | 709,000 | 1,073,000 | 1,440,000 |
| Interest expense | 104,000 | 213,000 | 328,000 | 457,000 |
| Net interest income | 247,000 | 496,000 | 745,000 | 983,000 |
| Noninterest income | 24,000 | 43,000 | 71,000 | 94,000 |
| Noninterest expense | 187,000 | 383,000 | 564,000 | 768,000 |
| Provision for loan losses | 0 | 0 | 11,000 | 23,000 |
| Pretax income | 84,000 | 156,000 | 241,000 | 286,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 84,000 | 156,000 | 241,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,500,000 | 3,573,000 | 3,657,000 | 3,494,000 |
| Total capital | 3,607,000 | 3,653,000 | 3,746,000 | 3,586,000 |
| Risk-weighted assets | 14,918,000 | 14,694,000 | 15,195,000 | 16,352,000 |