Call reports 2004
MCHENRY SAVINGS BANK — 2004
What MCHENRY 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 | 206,834,000 | 214,937,000 | 218,612,000 | 224,733,000 |
| Total loans | 170,032,000 | 176,966,000 | 176,671,000 | 181,165,000 |
| Allowance for loan losses | 1,108,000 | 1,252,000 | 1,346,000 | 933,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,606,000 | 15,687,000 | 15,687,000 | 15,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,558,000 | 166,267,000 | 171,976,000 | 176,048,000 |
| Interest-bearing deposits | 140,550,000 | 146,213,000 | 151,751,000 | 155,222,000 |
| Noninterest-bearing deposits | 20,008,000 | 20,054,000 | 20,225,000 | 20,826,000 |
| Equity capital | 14,124,000 | 14,176,000 | 14,233,000 | 14,471,000 |
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 | 2,511,000 | 5,105,000 | 7,645,000 | 10,250,000 |
| Interest expense | 772,000 | 1,522,000 | 2,356,000 | 3,248,000 |
| Net interest income | 1,739,000 | 3,583,000 | 5,289,000 | 7,002,000 |
| Noninterest income | 465,000 | 880,000 | 1,375,000 | 1,892,000 |
| Noninterest expense | 1,797,000 | 3,595,000 | 5,456,000 | 7,304,000 |
| Provision for loan losses | 135,000 | 270,000 | 360,000 | 450,000 |
| Pretax income | 272,000 | 598,000 | 848,000 | 1,140,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 272,000 | 598,000 | 848,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,083,000 | 14,136,000 | 14,193,000 | 14,417,000 |
| Total capital | 15,191,000 | 15,388,000 | 15,539,000 | 15,350,000 |
| Risk-weighted assets | 133,251,000 | 140,258,000 | 140,342,000 | 142,387,000 |
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