Call reports 2003
MCCLAVE STATE BANK — 2003
What MCCLAVE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 15,662,000 | 15,423,000 | 15,011,000 | 14,333,000 |
| Total loans | 8,688,000 | 9,369,000 | 10,696,000 | 8,935,000 |
| Allowance for loan losses | 377,000 | 413,000 | 490,000 | 499,000 |
| Securities available for sale | 2,898,000 | 2,836,000 | 2,510,000 | 3,267,000 |
| Securities held to maturity | 727,000 | 721,000 | 718,000 | 714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,900,000 | 13,708,000 | 13,137,000 | 12,734,000 |
| Interest-bearing deposits | 12,579,000 | 12,600,000 | 11,619,000 | 11,271,000 |
| Noninterest-bearing deposits | 1,321,000 | 1,108,000 | 1,518,000 | 1,463,000 |
| Equity capital | 1,688,000 | 1,662,000 | 1,602,000 | 1,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 238,000 | 467,000 | 717,000 | 937,000 |
| Interest expense | 80,000 | 161,000 | 232,000 | 293,000 |
| Net interest income | 158,000 | 306,000 | 485,000 | 644,000 |
| Noninterest income | 11,000 | 26,000 | 34,000 | 22,000 |
| Noninterest expense | 177,000 | 349,000 | 510,000 | 662,000 |
| Provision for loan losses | 60,000 | 95,000 | 164,000 | 229,000 |
| Pretax income | -68,000 | -112,000 | -155,000 | -225,000 |
| Income tax | -27,000 | -45,000 | -63,000 | -86,000 |
| Net income | -41,000 | -67,000 | -92,000 | -139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,647,000 | 1,604,000 | 1,601,000 | 1,512,000 |
| Total capital | 1,778,000 | 1,739,000 | 1,749,000 | 1,643,000 |
| Risk-weighted assets | 10,269,000 | 10,488,000 | 11,463,000 | 10,131,000 |
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