Call reports 2005
MAGNOLIA BANK, INC — 2005
What MAGNOLIA BANK, INC 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 | 88,014,000 | 91,657,000 | 91,477,000 | 93,265,000 |
| Total loans | 56,286,000 | 58,141,000 | 59,349,000 | 62,470,000 |
| Allowance for loan losses | 836,000 | 835,000 | 832,000 | 831,000 |
| Securities available for sale | 26,018,000 | 27,957,000 | 25,638,000 | 19,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,574,000 | 69,039,000 | 69,169,000 | 69,405,000 |
| Interest-bearing deposits | 57,282,000 | 58,479,000 | 59,883,000 | 59,790,000 |
| Noninterest-bearing deposits | 9,293,000 | 10,560,000 | 9,286,000 | 9,614,000 |
| Equity capital | 7,071,000 | 7,369,000 | 7,291,000 | 7,262,000 |
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 | 1,209,000 | 2,513,000 | 3,860,000 | 5,303,000 |
| Interest expense | 510,000 | 1,074,000 | 1,673,000 | 2,330,000 |
| Net interest income | 699,000 | 1,439,000 | 2,187,000 | 2,973,000 |
| Noninterest income | 311,000 | 472,000 | 640,000 | 818,000 |
| Noninterest expense | 694,000 | 1,380,000 | 2,097,000 | 2,831,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 308,000 | 523,000 | 685,000 | 744,000 |
| Income tax | 96,000 | 149,000 | 184,000 | 204,000 |
| Net income | 212,000 | 374,000 | 501,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,307,000 | 7,372,000 | 7,458,000 | 7,473,000 |
| Total capital | 8,018,000 | 8,110,000 | 8,212,000 | 8,261,000 |
| Risk-weighted assets | 56,748,000 | 58,922,000 | 60,282,000 | 62,989,000 |