Call reports 2005
MEREDITH VILLAGE SAVINGS BANK — 2005
What MEREDITH VILLAGE SAVINGS BANK 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 | 471,770,000 | 510,862,000 | 516,063,000 | 522,063,000 |
| Total loans | 343,281,000 | 364,971,000 | 379,180,000 | 383,770,000 |
| Allowance for loan losses | 3,256,000 | 3,317,000 | 3,369,000 | 3,429,000 |
| Securities available for sale | 83,756,000 | 87,440,000 | 87,052,000 | 86,389,000 |
| Securities held to maturity | 995,000 | 990,000 | 990,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,983,000 | 393,507,000 | 403,975,000 | 399,016,000 |
| Interest-bearing deposits | 318,821,000 | 340,887,000 | 353,344,000 | 352,127,000 |
| Noninterest-bearing deposits | 41,162,000 | 52,620,000 | 50,631,000 | 46,889,000 |
| Equity capital | 49,679,000 | 51,021,000 | 51,752,000 | 52,440,000 |
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 | 6,157,000 | 12,676,000 | 19,726,000 | 26,982,000 |
| Interest expense | 1,885,000 | 4,059,000 | 6,498,000 | 9,172,000 |
| Net interest income | 4,272,000 | 8,617,000 | 13,228,000 | 17,810,000 |
| Noninterest income | 569,000 | 1,473,000 | 2,134,000 | 2,901,000 |
| Noninterest expense | 3,583,000 | 7,023,000 | 10,818,000 | 15,010,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,198,000 | 2,947,000 | 4,364,000 | 5,627,000 |
| Income tax | 397,000 | 974,000 | 1,421,000 | 1,739,000 |
| Net income | 801,000 | 1,973,000 | 2,943,000 | 3,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,160,000 | 50,328,000 | 51,303,000 | 52,246,000 |
| Total capital | 53,019,000 | 54,264,000 | 55,311,000 | 56,385,000 |
| Risk-weighted assets | 321,351,000 | 349,564,000 | 363,063,000 | 365,007,000 |