Call reports 2004
MCCLAVE STATE BANK — 2004
What MCCLAVE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 15,271,000 | 15,655,000 | 15,847,000 | 16,487,000 |
| Total loans | 10,081,000 | 11,137,000 | 11,401,000 | 11,634,000 |
| Allowance for loan losses | 538,000 | 422,000 | 363,000 | 354,000 |
| Securities available for sale | 3,028,000 | 2,265,000 | 2,238,000 | 2,232,000 |
| Securities held to maturity | 719,000 | 718,000 | 709,000 | 705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,473,000 | 13,128,000 | 13,462,000 | 14,763,000 |
| Interest-bearing deposits | 11,283,000 | 12,016,000 | 12,199,000 | 13,593,000 |
| Noninterest-bearing deposits | 1,190,000 | 1,113,000 | 1,263,000 | 1,170,000 |
| Equity capital | 1,592,000 | 1,585,000 | 1,664,000 | 1,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 229,000 | 495,000 | 746,000 | 997,000 |
| Interest expense | 54,000 | 115,000 | 178,000 | 253,000 |
| Net interest income | 175,000 | 380,000 | 568,000 | 744,000 |
| Noninterest income | 14,000 | 28,000 | 47,000 | 49,000 |
| Noninterest expense | 127,000 | 282,000 | 442,000 | 633,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 63,000 | 86,000 | 131,000 | 118,000 |
| Income tax | 19,000 | 29,000 | 35,000 | 26,000 |
| Net income | 44,000 | 57,000 | 96,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,558,000 | 1,577,000 | 1,637,000 | 1,598,000 |
| Total capital | 1,702,000 | 1,746,000 | 1,799,000 | 1,759,000 |
| Risk-weighted assets | 11,099,000 | 12,431,000 | 12,722,000 | 12,677,000 |