Call reports 2006
MCHENRY SAVINGS BANK — 2006
What MCHENRY 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 | 265,247,000 | 274,021,000 | 279,109,000 | 271,146,000 |
| Total loans | 220,424,000 | 225,563,000 | 231,859,000 | 228,508,000 |
| Allowance for loan losses | 1,346,000 | 1,338,000 | 1,397,000 | 905,000 |
| Securities available for sale | 0 | 2,989,000 | 2,515,000 | 2,515,000 |
| Securities held to maturity | 18,979,000 | 19,962,000 | 18,827,000 | 18,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,628,000 | 207,020,000 | 206,081,000 | 209,874,000 |
| Interest-bearing deposits | 162,377,000 | 183,100,000 | 184,615,000 | 187,630,000 |
| Noninterest-bearing deposits | 23,251,000 | 23,920,000 | 21,466,000 | 22,244,000 |
| Equity capital | 16,190,000 | 16,327,000 | 16,596,000 | 16,878,000 |
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 | 3,519,000 | 7,182,000 | 11,135,000 | 15,044,000 |
| Interest expense | 1,767,000 | 3,695,000 | 5,900,000 | 8,253,000 |
| Net interest income | 1,752,000 | 3,487,000 | 5,235,000 | 6,791,000 |
| Noninterest income | 429,000 | 907,000 | 1,818,000 | 2,335,000 |
| Noninterest expense | 1,971,000 | 3,965,000 | 5,992,000 | 7,988,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 180,000 | 399,000 | 1,031,000 | 1,108,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 180,000 | 399,000 | 1,031,000 | 1,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,138,000 | 16,306,000 | 16,550,000 | 16,805,000 |
| Total capital | 17,484,000 | 17,644,000 | 17,947,000 | 17,710,000 |
| Risk-weighted assets | 165,901,000 | 171,721,000 | 175,879,000 | 173,728,000 |
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