Call reports 2006
MCCLAVE STATE BANK — 2006
What MCCLAVE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 18,947,000 | 18,714,000 | 17,849,000 | 18,191,000 |
| Total loans | 14,536,000 | 14,387,000 | 13,142,000 | 12,151,000 |
| Allowance for loan losses | 526,000 | 534,000 | 460,000 | 466,000 |
| Securities available for sale | 2,136,000 | 2,314,000 | 2,343,000 | 3,154,000 |
| Securities held to maturity | 697,000 | 695,000 | 693,000 | 692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,255,000 | 16,685,000 | 16,062,000 | 16,334,000 |
| Interest-bearing deposits | 15,544,000 | 15,328,000 | 14,637,000 | 14,394,000 |
| Noninterest-bearing deposits | 1,711,000 | 1,356,000 | 1,425,000 | 1,940,000 |
| Equity capital | 1,596,000 | 1,635,000 | 1,683,000 | 1,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 331,000 | 703,000 | 1,033,000 | 1,417,000 |
| Interest expense | 128,000 | 271,000 | 404,000 | 548,000 |
| Net interest income | 203,000 | 432,000 | 629,000 | 869,000 |
| Noninterest income | 10,000 | 26,000 | 41,000 | 42,000 |
| Noninterest expense | 169,000 | 329,000 | 510,000 | 681,000 |
| Provision for loan losses | 120,000 | 132,000 | 132,000 | 132,000 |
| Pretax income | -76,000 | -3,000 | 28,000 | 98,000 |
| Income tax | -31,000 | -6,000 | 2,000 | 14,000 |
| Net income | -45,000 | 3,000 | 26,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,485,000 | 1,533,000 | 1,557,000 | 1,616,000 |
| Total capital | 1,682,000 | 1,718,000 | 1,736,000 | 1,781,000 |
| Risk-weighted assets | 15,457,000 | 14,466,000 | 14,013,000 | 12,888,000 |