Call reports 2009
MCHENRY SAVINGS BANK — 2009
What MCHENRY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 287,602,000 | 297,149,000 | 287,715,000 | 278,750,000 |
| Total loans | 224,613,000 | 235,899,000 | 233,690,000 | 225,170,000 |
| Allowance for loan losses | 1,138,000 | 1,180,000 | 1,759,000 | 1,691,000 |
| Securities available for sale | 16,000 | 16,000 | 16,000 | 17,000 |
| Securities held to maturity | 20,367,000 | 20,226,000 | 18,764,000 | 19,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,408,000 | 218,021,000 | 218,609,000 | 209,672,000 |
| Interest-bearing deposits | 188,488,000 | 199,306,000 | 200,318,000 | 190,585,000 |
| Noninterest-bearing deposits | 19,920,000 | 18,715,000 | 18,291,000 | 19,087,000 |
| Equity capital | 18,546,000 | 18,839,000 | 17,994,000 | 17,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,663,000 | 7,950,000 | 12,034,000 | 16,089,000 |
| Interest expense | 1,566,000 | 3,053,000 | 4,448,000 | 5,721,000 |
| Net interest income | 2,097,000 | 4,897,000 | 7,586,000 | 10,368,000 |
| Noninterest income | 534,000 | 1,057,000 | 1,512,000 | 2,124,000 |
| Noninterest expense | 2,149,000 | 4,584,000 | 7,202,000 | 9,985,000 |
| Provision for loan losses | 225,000 | 634,000 | 1,863,000 | 2,514,000 |
| Pretax income | 257,000 | 736,000 | 33,000 | -78,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 736,000 | 33,000 | -78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,987,000 | 19,284,000 | 18,442,000 | 18,321,000 |
| Total capital | 20,125,000 | 20,464,000 | 20,201,000 | 20,012,000 |
| Risk-weighted assets | 181,433,000 | 187,208,000 | 184,850,000 | 195,580,000 |
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