Call reports 2006
MEREDITH VILLAGE SAVINGS BANK — 2006
What MEREDITH VILLAGE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 530,323,000 | 546,632,000 | 533,857,000 | 533,785,000 |
| Total loans | 388,136,000 | 400,496,000 | 397,546,000 | 399,816,000 |
| Allowance for loan losses | 3,512,000 | 3,596,000 | 3,672,000 | 3,604,000 |
| Securities available for sale | 89,224,000 | 78,535,000 | 77,980,000 | 75,963,000 |
| Securities held to maturity | 490,000 | 740,000 | 740,000 | 740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,819,000 | 398,058,000 | 409,744,000 | 412,355,000 |
| Interest-bearing deposits | 331,900,000 | 346,744,000 | 362,166,000 | 362,563,000 |
| Noninterest-bearing deposits | 45,919,000 | 51,314,000 | 47,578,000 | 49,792,000 |
| Equity capital | 52,660,000 | 52,940,000 | 54,706,000 | 55,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,390,000 | 15,120,000 | 23,281,000 | 31,306,000 |
| Interest expense | 2,930,000 | 6,295,000 | 9,800,000 | 13,356,000 |
| Net interest income | 4,460,000 | 8,825,000 | 13,481,000 | 17,950,000 |
| Noninterest income | 698,000 | 1,427,000 | 2,372,000 | 3,078,000 |
| Noninterest expense | 5,054,000 | 8,295,000 | 12,445,000 | 17,143,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,350,000 | 3,095,000 | 4,456,000 | 4,843,000 |
| Income tax | 114,000 | 661,000 | 1,025,000 | 1,044,000 |
| Net income | 1,236,000 | 2,434,000 | 3,431,000 | 3,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,485,000 | 54,687,000 | 55,671,000 | 56,043,000 |
| Total capital | 57,074,000 | 58,360,000 | 59,415,000 | 59,719,000 |
| Risk-weighted assets | 372,914,000 | 377,157,000 | 372,466,000 | 372,007,000 |