Call reports 2005
MBANK — 2005
What MBANK 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 | 225,937,000 | 242,512,000 | 247,700,000 | 248,439,000 |
| Total loans | 187,880,000 | 197,202,000 | 206,814,000 | 209,350,000 |
| Allowance for loan losses | 1,786,000 | 1,958,000 | 1,973,000 | 1,994,000 |
| Securities available for sale | 21,363,000 | 18,942,000 | 17,470,000 | 19,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,073,000 | 169,479,000 | 179,791,000 | 178,027,000 |
| Interest-bearing deposits | 128,730,000 | 138,809,000 | 146,332,000 | 145,338,000 |
| Noninterest-bearing deposits | 26,343,000 | 30,670,000 | 33,459,000 | 32,689,000 |
| Equity capital | 22,285,000 | 23,089,000 | 23,858,000 | 23,664,000 |
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 | 3,533,000 | 7,538,000 | 12,016,000 | 16,665,000 |
| Interest expense | 1,058,000 | 2,408,000 | 3,913,000 | 5,472,000 |
| Net interest income | 2,475,000 | 5,130,000 | 8,103,000 | 11,193,000 |
| Noninterest income | 430,000 | 929,000 | 1,437,000 | 1,965,000 |
| Noninterest expense | 1,963,000 | 3,948,000 | 6,033,000 | 8,284,000 |
| Provision for loan losses | 137,000 | 213,000 | 213,000 | 241,000 |
| Pretax income | 805,000 | 1,925,000 | 3,321,000 | 4,660,000 |
| Income tax | 257,000 | 656,000 | 1,027,000 | 1,433,000 |
| Net income | 548,000 | 1,269,000 | 2,294,000 | 3,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,319,000 | 23,042,000 | 23,814,000 | 23,738,000 |
| Total capital | 24,202,000 | 25,097,000 | 25,884,000 | 25,829,000 |
| Risk-weighted assets | 198,880,000 | 208,698,000 | 219,714,000 | 228,351,000 |