Call reports 2005
MAGYAR BANK — 2005
What MAGYAR 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 | 304,113,000 | 325,096,000 | 357,805,000 | 399,237,000 |
| Total loans | 224,296,000 | 250,793,000 | 283,900,000 | 287,508,000 |
| Allowance for loan losses | 2,390,000 | 2,481,000 | 3,129,000 | 3,235,000 |
| Securities available for sale | 26,226,000 | 22,086,000 | 20,602,000 | 19,619,000 |
| Securities held to maturity | 37,818,000 | 36,068,000 | 34,008,000 | 31,964,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,998,000 | 263,485,000 | 281,275,000 | 338,495,000 |
| Interest-bearing deposits | 227,127,000 | 245,651,000 | 263,524,000 | 319,297,000 |
| Noninterest-bearing deposits | 14,871,000 | 17,834,000 | 17,751,000 | 19,198,000 |
| Equity capital | 22,874,000 | 23,159,000 | 24,500,000 | 24,508,000 |
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 | 3,730,000 | 7,928,000 | 12,874,000 | 18,317,000 |
| Interest expense | 1,290,000 | 2,841,000 | 4,783,000 | 7,003,000 |
| Net interest income | 2,440,000 | 5,087,000 | 8,091,000 | 11,314,000 |
| Noninterest income | 141,000 | 297,000 | 3,354,000 | 3,540,000 |
| Noninterest expense | 2,300,000 | 4,833,000 | 7,838,000 | 10,895,000 |
| Provision for loan losses | 93,000 | 188,000 | 841,000 | 961,000 |
| Pretax income | 188,000 | 357,000 | 2,760,000 | 2,992,000 |
| Income tax | 67,000 | 136,000 | 1,069,000 | 1,151,000 |
| Net income | 121,000 | 221,000 | 1,691,000 | 1,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,442,000 | 23,541,000 | 24,837,000 | 24,892,000 |
| Total capital | 25,832,000 | 26,022,000 | 27,965,000 | 28,127,000 |
| Risk-weighted assets | 213,915,000 | 237,367,000 | 271,553,000 | 292,742,000 |