Call reports 2005
MANSON STATE BANK — 2005
What MANSON STATE 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 | 36,722,000 | 35,876,000 | 35,537,000 | 35,816,000 |
| Total loans | 17,161,000 | 16,991,000 | 16,523,000 | 17,780,000 |
| Allowance for loan losses | 193,000 | 113,000 | 113,000 | 110,000 |
| Securities available for sale | 16,943,000 | 16,801,000 | 16,114,000 | 15,728,000 |
| Securities held to maturity | 58,000 | 53,000 | 48,000 | 44,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,063,000 | 30,696,000 | 29,972,000 | 30,635,000 |
| Interest-bearing deposits | 27,816,000 | 28,071,000 | 26,696,000 | 27,112,000 |
| Noninterest-bearing deposits | 3,247,000 | 2,625,000 | 3,276,000 | 3,523,000 |
| Equity capital | 4,012,000 | 4,063,000 | 4,065,000 | 3,878,000 |
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 | 394,000 | 831,000 | 1,215,000 | 1,647,000 |
| Interest expense | 116,000 | 247,000 | 396,000 | 551,000 |
| Net interest income | 278,000 | 584,000 | 819,000 | 1,096,000 |
| Noninterest income | 32,000 | -120,000 | -87,000 | -51,000 |
| Noninterest expense | 181,000 | 388,000 | 551,000 | 742,000 |
| Provision for loan losses | 0 | -80,000 | -80,000 | -80,000 |
| Pretax income | 97,000 | 124,000 | 195,000 | 294,000 |
| Income tax | 5,000 | 6,000 | 10,000 | 14,000 |
| Net income | 92,000 | 118,000 | 185,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,285,000 | 3,210,000 | 3,273,000 | 3,171,000 |
| Total capital | 3,478,000 | 3,323,000 | 3,386,000 | 3,281,000 |
| Risk-weighted assets | 22,641,000 | 21,835,000 | 21,142,000 | 22,056,000 |