Call reports 2004
MAGYAR BANK — 2004
What MAGYAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 274,268,000 | 277,178,000 | 287,081,000 | 292,511,000 |
| Total loans | 173,974,000 | 182,635,000 | 195,890,000 | 208,586,000 |
| Allowance for loan losses | 2,241,000 | 2,291,000 | 2,341,000 | 2,391,000 |
| Securities available for sale | 34,936,000 | 32,194,000 | 31,172,000 | 27,646,000 |
| Securities held to maturity | 45,828,000 | 44,888,000 | 42,382,000 | 39,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,366,000 | 229,135,000 | 227,440,000 | 237,740,000 |
| Interest-bearing deposits | 213,634,000 | 215,621,000 | 214,049,000 | 224,455,000 |
| Noninterest-bearing deposits | 11,732,000 | 13,514,000 | 13,391,000 | 13,285,000 |
| Equity capital | 23,128,000 | 22,690,000 | 23,101,000 | 22,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,118,000 | 6,260,000 | 9,504,000 | 12,952,000 |
| Interest expense | 1,049,000 | 2,092,000 | 3,152,000 | 4,323,000 |
| Net interest income | 2,069,000 | 4,168,000 | 6,352,000 | 8,629,000 |
| Noninterest income | 222,000 | 393,000 | 562,000 | 761,000 |
| Noninterest expense | 1,967,000 | 4,113,000 | 6,097,000 | 8,756,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 274,000 | 348,000 | 667,000 | 434,000 |
| Income tax | 72,000 | 80,000 | 189,000 | 71,000 |
| Net income | 202,000 | 268,000 | 478,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,001,000 | 23,067,000 | 23,277,000 | 23,173,000 |
| Total capital | 25,064,000 | 25,254,000 | 25,598,000 | 25,564,000 |
| Risk-weighted assets | 164,898,000 | 174,800,000 | 185,609,000 | 196,054,000 |