Call reports 2003
MANOR BANK — 2003
What MANOR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,287,000 | 19,479,000 | 18,501,000 | 18,284,000 |
| Total loans | 6,952,000 | 6,609,000 | 5,857,000 | 5,576,000 |
| Allowance for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Securities available for sale | 7,006,000 | 7,711,000 | 9,310,000 | 9,348,000 |
| Securities held to maturity | 267,000 | 143,000 | 111,000 | 89,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,660,000 | 16,776,000 | 15,908,000 | 15,807,000 |
| Interest-bearing deposits | 13,432,000 | 13,746,000 | 13,581,000 | 13,535,000 |
| Noninterest-bearing deposits | 2,228,000 | 3,030,000 | 2,327,000 | 2,272,000 |
| Equity capital | 2,448,000 | 2,484,000 | 2,425,000 | 2,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 219,000 | 438,000 | 645,000 | 858,000 |
| Interest expense | 61,000 | 119,000 | 176,000 | 221,000 |
| Net interest income | 158,000 | 319,000 | 469,000 | 637,000 |
| Noninterest income | 11,000 | 23,000 | 35,000 | 48,000 |
| Noninterest expense | 153,000 | 300,000 | 451,000 | 617,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 42,000 | 53,000 | 68,000 |
| Income tax | 3,000 | 9,000 | 10,000 | -3,000 |
| Net income | 13,000 | 33,000 | 43,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,380,000 | 2,400,000 | 2,406,000 | 2,400,000 |
| Total capital | 2,390,000 | 2,410,000 | 2,416,000 | 2,410,000 |
| Risk-weighted assets | 6,490,000 | 6,631,000 | 6,250,000 | 6,228,000 |