Call reports 2003
MCHENRY SAVINGS BANK — 2003
What MCHENRY SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 186,827,000 | 199,268,000 | 209,928,000 | 210,523,000 |
| Total loans | 133,043,000 | 150,187,000 | 171,570,000 | 175,085,000 |
| Allowance for loan losses | 783,000 | 841,000 | 920,000 | 1,003,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,996,000 | 23,719,000 | 18,026,000 | 15,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,393,000 | 164,591,000 | 171,624,000 | 163,929,000 |
| Interest-bearing deposits | 133,532,000 | 146,943,000 | 153,798,000 | 145,914,000 |
| Noninterest-bearing deposits | 19,861,000 | 17,648,000 | 17,826,000 | 18,015,000 |
| Equity capital | 11,921,000 | 12,164,000 | 13,753,000 | 13,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,276,000 | 4,675,000 | 7,267,000 | 9,844,000 |
| Interest expense | 869,000 | 1,726,000 | 2,573,000 | 3,390,000 |
| Net interest income | 1,407,000 | 2,949,000 | 4,694,000 | 6,454,000 |
| Noninterest income | 436,000 | 884,000 | 1,234,000 | 1,515,000 |
| Noninterest expense | 1,551,000 | 3,200,000 | 4,854,000 | 6,482,000 |
| Provision for loan losses | 60,000 | 130,000 | 220,000 | 325,000 |
| Pretax income | 232,000 | 503,000 | 854,000 | 1,162,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 232,000 | 503,000 | 854,000 | 1,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,868,000 | 12,113,000 | 13,706,000 | 13,906,000 |
| Total capital | 12,651,000 | 12,954,000 | 14,626,000 | 14,909,000 |
| Risk-weighted assets | 115,458,000 | 126,687,000 | 134,013,000 | 135,521,000 |
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