Call reports 2002
MCCLAVE STATE BANK — 2002
What MCCLAVE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 18,198,000 | 17,270,000 | 16,729,000 | 16,151,000 |
| Total loans | 12,771,000 | 11,889,000 | 11,621,000 | 9,548,000 |
| Allowance for loan losses | 452,000 | 415,000 | 398,000 | 369,000 |
| Securities available for sale | 3,029,000 | 2,735,000 | 3,038,000 | 2,983,000 |
| Securities held to maturity | 77,000 | 61,000 | 57,000 | 731,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,815,000 | 15,569,000 | 15,051,000 | 14,334,000 |
| Interest-bearing deposits | 15,246,000 | 14,330,000 | 13,513,000 | 12,875,000 |
| Noninterest-bearing deposits | 1,569,000 | 1,239,000 | 1,538,000 | 1,459,000 |
| Equity capital | 1,274,000 | 1,625,000 | 1,592,000 | 1,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 348,000 | 650,000 | 945,000 | 1,208,000 |
| Interest expense | 149,000 | 266,000 | 381,000 | 492,000 |
| Net interest income | 199,000 | 384,000 | 564,000 | 716,000 |
| Noninterest income | 18,000 | 22,000 | -32,000 | -18,000 |
| Noninterest expense | 190,000 | 356,000 | 535,000 | 768,000 |
| Provision for loan losses | 70,000 | 87,000 | 94,000 | 94,000 |
| Pretax income | -43,000 | -37,000 | -97,000 | -164,000 |
| Income tax | -11,000 | -14,000 | -21,000 | -227,000 |
| Net income | -32,000 | -23,000 | -76,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,292,000 | 1,602,000 | 1,549,000 | 1,688,000 |
| Total capital | 1,446,000 | 1,744,000 | 1,710,000 | 1,827,000 |
| Risk-weighted assets | 12,043,000 | 11,092,000 | 12,654,000 | 10,871,000 |