Call reports 2005
MCCLAVE STATE BANK — 2005
What MCCLAVE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 16,889,000 | 17,498,000 | 17,964,000 | 17,963,000 |
| Total loans | 12,576,000 | 13,492,000 | 13,518,000 | 13,905,000 |
| Allowance for loan losses | 376,000 | 405,000 | 408,000 | 445,000 |
| Securities available for sale | 2,180,000 | 2,192,000 | 2,172,000 | 2,141,000 |
| Securities held to maturity | 704,000 | 701,000 | 700,000 | 699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,161,000 | 15,630,000 | 16,065,000 | 16,211,000 |
| Interest-bearing deposits | 13,845,000 | 14,477,000 | 14,662,000 | 12,293,000 |
| Noninterest-bearing deposits | 1,316,000 | 1,153,000 | 1,403,000 | 3,918,000 |
| Equity capital | 1,648,000 | 1,709,000 | 1,737,000 | 1,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 578,000 | 886,000 | 1,196,000 |
| Interest expense | 79,000 | 179,000 | 288,000 | 401,000 |
| Net interest income | 191,000 | 399,000 | 598,000 | 795,000 |
| Noninterest income | 13,000 | 31,000 | 50,000 | 67,000 |
| Noninterest expense | 145,000 | 302,000 | 468,000 | 686,000 |
| Provision for loan losses | 15,000 | 24,000 | 24,000 | 149,000 |
| Pretax income | 44,000 | 104,000 | 156,000 | 27,000 |
| Income tax | 11,000 | 30,000 | 45,000 | 0 |
| Net income | 33,000 | 74,000 | 111,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,537,000 | 1,578,000 | 1,614,000 | 1,530,000 |
| Total capital | 1,707,000 | 1,755,000 | 1,798,000 | 1,717,000 |
| Risk-weighted assets | 13,375,000 | 14,286,000 | 14,511,000 | 14,701,000 |