Call reports 2005
MENNO STATE BANK — 2005
What MENNO STATE 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 | 28,921,000 | 26,564,000 | 26,288,000 | 27,401,000 |
| Total loans | 10,947,000 | 10,336,000 | 10,586,000 | 11,399,000 |
| Allowance for loan losses | 249,000 | 250,000 | 250,000 | 249,000 |
| Securities available for sale | 4,000 | 4,000 | 5,000 | 6,000 |
| Securities held to maturity | 14,178,000 | 14,430,000 | 13,209,000 | 12,730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,589,000 | 23,107,000 | 22,751,000 | 23,694,000 |
| Interest-bearing deposits | 21,337,000 | 19,442,000 | 19,167,000 | 19,482,000 |
| Noninterest-bearing deposits | 4,252,000 | 3,665,000 | 3,584,000 | 4,212,000 |
| Equity capital | 3,113,000 | 3,203,000 | 3,299,000 | 3,004,000 |
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 | 310,000 | 641,000 | 946,000 | 1,262,000 |
| Interest expense | 70,000 | 141,000 | 214,000 | 296,000 |
| Net interest income | 240,000 | 500,000 | 732,000 | 966,000 |
| Noninterest income | 25,000 | 47,000 | 73,000 | 94,000 |
| Noninterest expense | 141,000 | 261,000 | 390,000 | 597,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 124,000 | 286,000 | 415,000 | 463,000 |
| Income tax | 19,000 | 91,000 | 124,000 | 142,000 |
| Net income | 105,000 | 195,000 | 291,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,113,000 | 3,203,000 | 3,299,000 | 3,004,000 |
| Total capital | 3,322,000 | 3,403,000 | 3,498,000 | 3,214,000 |
| Risk-weighted assets | 16,694,000 | 15,966,000 | 15,839,000 | 17,097,000 |