Call reports 2004
MENNO STATE BANK — 2004
What MENNO STATE 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 | 29,390,000 | 28,193,000 | 27,757,000 | 29,030,000 |
| Total loans | 11,977,000 | 11,720,000 | 11,467,000 | 11,599,000 |
| Allowance for loan losses | 262,000 | 253,000 | 249,000 | 249,000 |
| Securities available for sale | 0 | 5,000 | 4,000 | 5,000 |
| Securities held to maturity | 13,083,000 | 13,204,000 | 12,914,000 | 12,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,084,000 | 24,811,000 | 24,082,000 | 25,534,000 |
| Interest-bearing deposits | 22,459,000 | 21,522,000 | 20,651,000 | 21,149,000 |
| Noninterest-bearing deposits | 3,625,000 | 3,289,000 | 3,431,000 | 4,385,000 |
| Equity capital | 3,102,000 | 3,173,000 | 3,260,000 | 3,008,000 |
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 | 339,000 | 672,000 | 989,000 | 1,302,000 |
| Interest expense | 83,000 | 162,000 | 234,000 | 306,000 |
| Net interest income | 256,000 | 510,000 | 755,000 | 996,000 |
| Noninterest income | 25,000 | 47,000 | 71,000 | 96,000 |
| Noninterest expense | 163,000 | 300,000 | 457,000 | 649,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 257,000 | 369,000 | 443,000 |
| Income tax | 8,000 | 76,000 | 101,000 | 127,000 |
| Net income | 110,000 | 181,000 | 268,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,102,000 | 3,173,000 | 3,260,000 | 3,007,000 |
| Total capital | 3,317,000 | 3,369,000 | 3,466,000 | 3,220,000 |
| Risk-weighted assets | 17,158,000 | 15,647,000 | 16,470,000 | 17,024,000 |