Call reports 2012
MCHENRY SAVINGS BANK — 2012
What MCHENRY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 261,547,000 | 258,991,000 | 252,807,000 | 246,448,000 |
| Total loans | 170,731,000 | 166,294,000 | 156,913,000 | 147,881,000 |
| Allowance for loan losses | 4,712,000 | 4,265,000 | 4,159,000 | 4,091,000 |
| Securities available for sale | 15,385,000 | 10,189,000 | 6,813,000 | 20,857,000 |
| Securities held to maturity | 32,662,000 | 42,789,000 | 44,655,000 | 39,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,986,000 | 220,490,000 | 226,095,000 | 217,868,000 |
| Interest-bearing deposits | 202,319,000 | 199,386,000 | 207,671,000 | 197,916,000 |
| Noninterest-bearing deposits | 20,667,000 | 21,104,000 | 18,424,000 | 19,952,000 |
| Equity capital | 8,778,000 | 9,051,000 | 9,598,000 | 9,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,870,000 | 5,899,000 | 9,121,000 | 11,701,000 |
| Interest expense | 602,000 | 1,079,000 | 1,459,000 | 1,643,000 |
| Net interest income | 2,268,000 | 4,820,000 | 7,662,000 | 10,058,000 |
| Noninterest income | 438,000 | 717,000 | 927,000 | 892,000 |
| Noninterest expense | 2,525,000 | 5,032,000 | 7,494,000 | 9,706,000 |
| Provision for loan losses | 345,000 | 375,000 | 375,000 | 567,000 |
| Pretax income | -181,000 | 149,000 | 755,000 | 691,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -181,000 | 149,000 | 755,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,851,000 | 9,181,000 | 9,698,000 | 9,634,000 |
| Total capital | 10,950,000 | 11,236,000 | 11,580,000 | 11,476,000 |
| Risk-weighted assets | 165,317,000 | 162,623,000 | 148,316,000 | 145,296,000 |