Call reports 2007
MCHENRY SAVINGS BANK — 2007
What MCHENRY SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 275,744,000 | 284,293,000 | 285,687,000 | 276,558,000 |
| Total loans | 230,474,000 | 238,910,000 | 239,488,000 | 235,209,000 |
| Allowance for loan losses | 965,000 | 1,014,000 | 1,199,000 | 1,155,000 |
| Securities available for sale | 2,514,000 | 2,498,000 | 2,495,000 | 2,461,000 |
| Securities held to maturity | 17,492,000 | 18,434,000 | 16,771,000 | 15,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,697,000 | 202,290,000 | 199,467,000 | 194,298,000 |
| Interest-bearing deposits | 179,573,000 | 180,242,000 | 178,999,000 | 175,471,000 |
| Noninterest-bearing deposits | 22,124,000 | 22,048,000 | 20,468,000 | 18,827,000 |
| Equity capital | 17,009,000 | 17,543,000 | 18,375,000 | 18,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,950,000 | 8,062,000 | 12,325,000 | 16,533,000 |
| Interest expense | 2,227,000 | 4,518,000 | 6,976,000 | 9,349,000 |
| Net interest income | 1,723,000 | 3,544,000 | 5,349,000 | 7,184,000 |
| Noninterest income | 423,000 | 823,000 | 1,424,000 | 2,042,000 |
| Noninterest expense | 1,922,000 | 3,849,000 | 6,014,000 | 8,099,000 |
| Provision for loan losses | 75,000 | 150,000 | 605,000 | 534,000 |
| Pretax income | 149,000 | 368,000 | 154,000 | 593,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 368,000 | 154,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,962,000 | 17,502,000 | 18,332,000 | 18,638,000 |
| Total capital | 17,927,000 | 18,516,000 | 19,531,000 | 19,793,000 |
| Risk-weighted assets | 175,228,000 | 183,582,000 | 189,175,000 | 185,110,000 |
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