Call reports 2004
MER ROUGE STATE BANK, THE — 2004
What MER ROUGE STATE BANK, 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 | 35,366,000 | 34,028,000 | 33,747,000 | 33,909,000 |
| Total loans | 13,641,000 | 15,980,000 | 16,667,000 | 12,997,000 |
| Allowance for loan losses | 203,000 | 204,000 | 199,000 | 200,000 |
| Securities available for sale | 6,086,000 | 7,649,000 | 7,544,000 | 6,928,000 |
| Securities held to maturity | 3,189,000 | 3,121,000 | 3,130,000 | 3,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,735,000 | 29,450,000 | 28,990,000 | 29,466,000 |
| Interest-bearing deposits | 25,251,000 | 24,087,000 | 23,794,000 | 23,474,000 |
| Noninterest-bearing deposits | 5,483,000 | 5,363,000 | 5,196,000 | 5,992,000 |
| Equity capital | 4,444,000 | 4,430,000 | 4,549,000 | 4,352,000 |
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 | 374,000 | 768,000 | 1,198,000 | 1,620,000 |
| Interest expense | 91,000 | 174,000 | 253,000 | 341,000 |
| Net interest income | 283,000 | 594,000 | 945,000 | 1,279,000 |
| Noninterest income | 46,000 | 83,000 | 132,000 | 169,000 |
| Noninterest expense | 246,000 | 492,000 | 763,000 | 1,050,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 83,000 | 185,000 | 314,000 | 398,000 |
| Income tax | 15,000 | 38,000 | 74,000 | 84,000 |
| Net income | 68,000 | 147,000 | 240,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,346,000 | 4,424,000 | 4,518,000 | 4,352,000 |
| Total capital | 4,549,000 | 4,628,000 | 4,717,000 | 4,552,000 |
| Risk-weighted assets | 18,639,000 | 20,290,000 | 20,717,000 | 17,699,000 |