Call reports 2004
MANSON STATE BANK — 2004
What MANSON STATE 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 | 39,332,000 | 36,374,000 | 36,937,000 | 36,094,000 |
| Total loans | 17,874,000 | 17,271,000 | 17,102,000 | 14,765,000 |
| Allowance for loan losses | 143,000 | 193,000 | 193,000 | 193,000 |
| Securities available for sale | 17,260,000 | 16,115,000 | 16,987,000 | 17,973,000 |
| Securities held to maturity | 1,083,000 | 595,000 | 70,000 | 63,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,678,000 | 32,171,000 | 32,435,000 | 31,790,000 |
| Interest-bearing deposits | 31,214,000 | 29,831,000 | 29,315,000 | 28,731,000 |
| Noninterest-bearing deposits | 3,463,000 | 2,340,000 | 3,120,000 | 3,059,000 |
| Equity capital | 4,529,000 | 4,119,000 | 4,424,000 | 4,219,000 |
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 | 374,000 | 786,000 | 1,191,000 | 1,587,000 |
| Interest expense | 131,000 | 248,000 | 366,000 | 482,000 |
| Net interest income | 243,000 | 538,000 | 825,000 | 1,105,000 |
| Noninterest income | 35,000 | 60,000 | 98,000 | 127,000 |
| Noninterest expense | 193,000 | 389,000 | 562,000 | 762,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 85,000 | 159,000 | 311,000 | 420,000 |
| Income tax | 5,000 | 7,000 | 14,000 | 21,000 |
| Net income | 80,000 | 152,000 | 297,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,274,000 | 3,250,000 | 3,371,000 | 3,262,000 |
| Total capital | 3,417,000 | 3,443,000 | 3,564,000 | 3,455,000 |
| Risk-weighted assets | 23,682,000 | 22,532,000 | 22,367,000 | 20,411,000 |