Call reports 2005
NATIONAL BANK OF MALVERN, THE — 2005
What NATIONAL BANK OF MALVERN, THE 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 | 108,506,000 | 112,362,000 | 113,958,000 | 113,654,000 |
| Total loans | 88,208,000 | 90,755,000 | 90,975,000 | 91,288,000 |
| Allowance for loan losses | 1,290,000 | 1,390,000 | 1,490,000 | 1,490,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,211,000 | 18,371,000 | 18,734,000 | 18,906,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,021,000 | 93,935,000 | 98,477,000 | 96,149,000 |
| Interest-bearing deposits | 76,574,000 | 74,369,000 | 79,273,000 | 77,778,000 |
| Noninterest-bearing deposits | 18,448,000 | 19,566,000 | 19,203,000 | 18,372,000 |
| Equity capital | 12,670,000 | 13,267,000 | 13,512,000 | 13,920,000 |
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 | 1,499,000 | 3,041,000 | 4,618,000 | 6,217,000 |
| Interest expense | 402,000 | 866,000 | 1,402,000 | 1,955,000 |
| Net interest income | 1,097,000 | 2,175,000 | 3,216,000 | 4,262,000 |
| Noninterest income | 52,000 | 86,000 | 117,000 | 172,000 |
| Noninterest expense | 702,000 | 1,400,000 | 2,030,000 | 2,566,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 200,000 |
| Pretax income | 447,000 | 761,000 | 1,103,000 | 1,668,000 |
| Income tax | 0 | 230,000 | 328,000 | 485,000 |
| Net income | 447,000 | 531,000 | 775,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,670,000 | 13,267,000 | 13,512,000 | 13,920,000 |
| Total capital | 13,523,000 | 14,156,000 | 14,402,000 | 14,819,000 |
| Risk-weighted assets | 67,827,000 | 70,617,000 | 70,573,000 | 71,313,000 |