Call reports 2004
NATIONAL BANK OF MALVERN, THE — 2004
What NATIONAL BANK OF MALVERN, THE 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 | 99,240,000 | 103,662,000 | 104,688,000 | 107,508,000 |
| Total loans | 79,405,000 | 82,305,000 | 84,191,000 | 87,450,000 |
| Allowance for loan losses | 1,189,000 | 1,289,000 | 1,290,000 | 1,290,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,984,000 | 18,219,000 | 18,006,000 | 18,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,092,000 | 91,815,000 | 91,342,000 | 92,191,000 |
| Interest-bearing deposits | 70,833,000 | 72,561,000 | 73,390,000 | 73,246,000 |
| Noninterest-bearing deposits | 16,259,000 | 19,254,000 | 17,952,000 | 18,945,000 |
| Equity capital | 11,678,000 | 11,706,000 | 11,965,000 | 12,223,000 |
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 | 1,381,000 | 2,804,000 | 4,274,000 | 5,778,000 |
| Interest expense | 335,000 | 678,000 | 1,031,000 | 1,414,000 |
| Net interest income | 1,046,000 | 2,126,000 | 3,243,000 | 4,364,000 |
| Noninterest income | 45,000 | 75,000 | 104,000 | 159,000 |
| Noninterest expense | 538,000 | 1,217,000 | 1,963,000 | 2,742,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 553,000 | 884,000 | 1,284,000 | 1,681,000 |
| Income tax | 11,000 | 313,000 | 453,000 | 593,000 |
| Net income | 542,000 | 571,000 | 831,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,678,000 | 11,706,000 | 11,965,000 | 12,223,000 |
| Total capital | 12,495,000 | 12,552,000 | 12,826,000 | 13,115,000 |
| Risk-weighted assets | 64,975,000 | 67,267,000 | 68,421,000 | 70,987,000 |