Call reports 2005
MER ROUGE STATE BANK, THE — 2005
What MER ROUGE STATE BANK, 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 | 34,825,000 | 32,898,000 | 32,500,000 | 35,243,000 |
| Total loans | 12,465,000 | 17,544,000 | 18,852,000 | 14,113,000 |
| Allowance for loan losses | 202,000 | 284,000 | 312,000 | 281,000 |
| Securities available for sale | 7,617,000 | 6,847,000 | 6,606,000 | 6,734,000 |
| Securities held to maturity | 3,127,000 | 3,126,000 | 3,125,000 | 3,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,342,000 | 28,370,000 | 27,836,000 | 30,833,000 |
| Interest-bearing deposits | 24,747,000 | 23,041,000 | 22,639,000 | 22,938,000 |
| Noninterest-bearing deposits | 5,595,000 | 5,329,000 | 5,198,000 | 7,894,000 |
| Equity capital | 4,364,000 | 4,401,000 | 4,430,000 | 4,345,000 |
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 | 383,000 | 825,000 | 1,334,000 | 1,799,000 |
| Interest expense | 97,000 | 200,000 | 314,000 | 435,000 |
| Net interest income | 286,000 | 625,000 | 1,020,000 | 1,364,000 |
| Noninterest income | 44,000 | 89,000 | 140,000 | 242,000 |
| Noninterest expense | 274,000 | 555,000 | 832,000 | 1,169,000 |
| Provision for loan losses | 0 | 81,000 | 114,000 | 114,000 |
| Pretax income | 56,000 | 78,000 | 214,000 | 323,000 |
| Income tax | 7,000 | 5,000 | 96,000 | 63,000 |
| Net income | 49,000 | 73,000 | 118,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,401,000 | 4,425,000 | 4,470,000 | 4,402,000 |
| Total capital | 4,603,000 | 4,686,000 | 4,745,000 | 4,637,000 |
| Risk-weighted assets | 17,348,000 | 20,885,000 | 21,943,000 | 18,738,000 |