Call reports 2004
MANOR BANK — 2004
What MANOR 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 | 18,970,000 | 18,239,000 | 18,116,000 | 17,695,000 |
| Total loans | 5,302,000 | 4,987,000 | 4,947,000 | 4,724,000 |
| Allowance for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Securities available for sale | 9,176,000 | 10,223,000 | 10,011,000 | 6,704,000 |
| Securities held to maturity | 86,000 | 56,000 | 55,000 | 39,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,356,000 | 15,831,000 | 15,538,000 | 15,247,000 |
| Interest-bearing deposits | 13,608,000 | 13,433,000 | 12,959,000 | 13,075,000 |
| Noninterest-bearing deposits | 2,748,000 | 2,398,000 | 2,579,000 | 2,172,000 |
| Equity capital | 2,455,000 | 2,234,000 | 2,416,000 | 2,280,000 |
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 | 210,000 | 413,000 | 621,000 | 809,000 |
| Interest expense | 45,000 | 88,000 | 133,000 | 175,000 |
| Net interest income | 165,000 | 325,000 | 488,000 | 634,000 |
| Noninterest income | 11,000 | 26,000 | 41,000 | 55,000 |
| Noninterest expense | 164,000 | 319,000 | 475,000 | 646,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,000 | 32,000 | 54,000 | 2,000 |
| Income tax | 2,000 | 4,000 | 7,000 | -1,000 |
| Net income | 10,000 | 28,000 | 47,000 | 3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,406,000 | 2,424,000 | 2,439,000 | 2,362,000 |
| Total capital | 2,416,000 | 2,434,000 | 2,449,000 | 2,372,000 |
| Risk-weighted assets | 6,245,000 | 6,113,000 | 5,979,000 | 5,872,000 |