Call reports 2015
MCCLAIN BANK — 2015
What MCCLAIN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 204,214,000 | 207,577,000 | 204,961,000 | 202,056,000 |
| Total loans | 116,160,000 | 129,876,000 | 138,388,000 | 143,856,000 |
| Allowance for loan losses | 919,000 | 967,000 | 1,583,000 | 1,621,000 |
| Securities available for sale | 32,979,000 | 32,119,000 | 30,418,000 | 29,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,067,000 | 183,280,000 | 180,921,000 | 179,139,000 |
| Interest-bearing deposits | 131,576,000 | 131,966,000 | 130,953,000 | 128,996,000 |
| Noninterest-bearing deposits | 49,491,000 | 51,314,000 | 49,968,000 | 50,143,000 |
| Equity capital | 20,426,000 | 20,766,000 | 19,968,000 | 20,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,885,000 | 3,905,000 | 5,994,000 | 8,106,000 |
| Interest expense | 80,000 | 159,000 | 239,000 | 317,000 |
| Net interest income | 1,805,000 | 3,746,000 | 5,755,000 | 7,789,000 |
| Noninterest income | 509,000 | 996,000 | 1,929,000 | 2,444,000 |
| Noninterest expense | 1,629,000 | 3,294,000 | 4,966,000 | 6,877,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 664,000 | 1,427,000 | 2,696,000 | 3,335,000 |
| Income tax | 228,000 | 495,000 | 955,000 | 1,086,000 |
| Net income | 436,000 | 932,000 | 1,741,000 | 2,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,253,000 | 20,748,000 | 19,838,000 | 20,346,000 |
| Total capital | 21,172,000 | 21,715,000 | 21,421,000 | 21,967,000 |
| Risk-weighted assets | 120,735,000 | 131,340,000 | 139,128,000 | 143,516,000 |