Call reports 2005
MARS BANK — 2005
What MARS 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 | 275,527,000 | 272,259,000 | 272,144,000 | 269,746,000 |
| Total loans | 133,515,000 | 134,277,000 | 136,303,000 | 132,528,000 |
| Allowance for loan losses | 1,363,000 | 1,419,000 | 1,473,000 | 1,475,000 |
| Securities available for sale | 117,430,000 | 114,508,000 | 114,770,000 | 117,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,690,000 | 241,537,000 | 240,504,000 | 238,216,000 |
| Interest-bearing deposits | 195,485,000 | 188,946,000 | 188,357,000 | 186,263,000 |
| Noninterest-bearing deposits | 49,205,000 | 52,590,000 | 52,147,000 | 51,953,000 |
| Equity capital | 29,684,000 | 29,980,000 | 30,294,000 | 29,678,000 |
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 | 3,095,000 | 6,179,000 | 9,320,000 | 12,486,000 |
| Interest expense | 704,000 | 1,415,000 | 2,156,000 | 2,951,000 |
| Net interest income | 2,391,000 | 4,764,000 | 7,164,000 | 9,535,000 |
| Noninterest income | 285,000 | 600,000 | 926,000 | 1,246,000 |
| Noninterest expense | 1,865,000 | 3,705,000 | 5,519,000 | 7,412,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 756,000 | 1,544,000 | 2,396,000 | 3,135,000 |
| Income tax | 207,000 | 431,000 | 677,000 | 880,000 |
| Net income | 549,000 | 1,113,000 | 1,719,000 | 2,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,658,000 | 30,522,000 | 31,128,000 | 30,782,000 |
| Total capital | 32,021,000 | 31,941,000 | 32,601,000 | 32,257,000 |
| Risk-weighted assets | 155,327,000 | 157,294,000 | 162,674,000 | 158,759,000 |