Call reports 2003
MAGYAR BANK — 2003
What MAGYAR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 265,593,000 | 270,948,000 | 273,913,000 | 270,369,000 |
| Total loans | 175,214,000 | 177,790,000 | 175,920,000 | 176,263,000 |
| Allowance for loan losses | 2,049,000 | 2,097,000 | 2,150,000 | 2,191,000 |
| Securities available for sale | 26,015,000 | 33,952,000 | 40,076,000 | 33,744,000 |
| Securities held to maturity | 40,841,000 | 35,738,000 | 36,996,000 | 38,393,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,439,000 | 226,544,000 | 227,912,000 | 225,321,000 |
| Interest-bearing deposits | 212,179,000 | 215,362,000 | 218,640,000 | 214,540,000 |
| Noninterest-bearing deposits | 9,260,000 | 11,182,000 | 9,272,000 | 10,781,000 |
| Equity capital | 22,240,000 | 22,512,000 | 22,659,000 | 22,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,395,000 | 6,716,000 | 9,956,000 | 13,104,000 |
| Interest expense | 1,314,000 | 2,584,000 | 3,784,000 | 4,889,000 |
| Net interest income | 2,081,000 | 4,132,000 | 6,172,000 | 8,215,000 |
| Noninterest income | 242,000 | 453,000 | 651,000 | 815,000 |
| Noninterest expense | 1,761,000 | 3,589,000 | 5,078,000 | 7,031,000 |
| Provision for loan losses | 52,000 | 105,000 | 158,000 | 210,000 |
| Pretax income | 510,000 | 891,000 | 1,587,000 | 1,789,000 |
| Income tax | 161,000 | 296,000 | 418,000 | 487,000 |
| Net income | 349,000 | 595,000 | 1,169,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,004,000 | 22,250,000 | 22,819,000 | 22,799,000 |
| Total capital | 23,980,000 | 24,275,000 | 24,865,000 | 24,856,000 |
| Risk-weighted assets | 157,980,000 | 161,899,000 | 163,549,000 | 164,358,000 |