Call reports 2007
MCCLAVE STATE BANK — 2007
What MCCLAVE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 18,268,000 | 17,556,000 | 17,855,000 | 17,786,000 |
| Total loans | 11,577,000 | 11,781,000 | 11,497,000 | 11,357,000 |
| Allowance for loan losses | 518,000 | 554,000 | 459,000 | 438,000 |
| Securities available for sale | 3,426,000 | 3,853,000 | 3,829,000 | 3,714,000 |
| Securities held to maturity | 691,000 | 691,000 | 690,000 | 689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,362,000 | 15,653,000 | 15,897,000 | 15,807,000 |
| Interest-bearing deposits | 14,897,000 | 14,749,000 | 14,668,000 | 14,581,000 |
| Noninterest-bearing deposits | 1,465,000 | 904,000 | 1,229,000 | 1,226,000 |
| Equity capital | 1,789,000 | 1,788,000 | 1,831,000 | 1,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 653,000 | 972,000 | 1,301,000 |
| Interest expense | 140,000 | 286,000 | 432,000 | 578,000 |
| Net interest income | 211,000 | 367,000 | 540,000 | 723,000 |
| Noninterest income | 10,000 | 20,000 | 30,000 | 139,000 |
| Noninterest expense | 161,000 | 307,000 | 472,000 | 635,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 60,000 | 80,000 | 98,000 | 127,000 |
| Income tax | 16,000 | 17,000 | 16,000 | 20,000 |
| Net income | 44,000 | 63,000 | 82,000 | 107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,768,000 | 1,787,000 | 1,807,000 | 1,831,000 |
| Total capital | 1,931,000 | 1,940,000 | 1,975,000 | 1,993,000 |
| Risk-weighted assets | 12,672,000 | 12,894,000 | 13,117,000 | 12,715,000 |