Call reports 2004
MEREDITH VILLAGE SAVINGS BANK — 2004
What MEREDITH VILLAGE SAVINGS 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 | 429,141,000 | 449,478,000 | 456,387,000 | 470,650,000 |
| Total loans | 301,247,000 | 315,955,000 | 322,728,000 | 336,802,000 |
| Allowance for loan losses | 2,997,000 | 3,075,000 | 3,136,000 | 3,195,000 |
| Securities available for sale | 90,164,000 | 89,372,000 | 90,058,000 | 86,878,000 |
| Securities held to maturity | 995,000 | 995,000 | 995,000 | 995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,849,000 | 337,887,000 | 351,578,000 | 369,337,000 |
| Interest-bearing deposits | 285,714,000 | 309,303,000 | 305,717,000 | 323,832,000 |
| Noninterest-bearing deposits | 24,135,000 | 28,584,000 | 45,861,000 | 45,505,000 |
| Equity capital | 47,630,000 | 47,089,000 | 48,782,000 | 49,539,000 |
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 | 5,348,000 | 10,850,000 | 16,697,000 | 22,722,000 |
| Interest expense | 1,513,000 | 2,967,000 | 4,521,000 | 6,264,000 |
| Net interest income | 3,835,000 | 7,883,000 | 12,176,000 | 16,458,000 |
| Noninterest income | 801,000 | 1,470,000 | 2,243,000 | 2,797,000 |
| Noninterest expense | 3,085,000 | 6,419,000 | 9,677,000 | 13,111,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,898,000 | 3,445,000 | 5,178,000 | 6,520,000 |
| Income tax | 619,000 | 1,117,000 | 1,677,000 | 2,108,000 |
| Net income | 1,279,000 | 2,328,000 | 3,501,000 | 4,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,221,000 | 46,271,000 | 47,442,000 | 48,357,000 |
| Total capital | 48,853,000 | 49,874,000 | 51,064,000 | 52,170,000 |
| Risk-weighted assets | 282,286,000 | 295,330,000 | 300,281,000 | 318,320,000 |