Call reports 2008
MCCLAVE STATE BANK — 2008
What MCCLAVE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 17,940,000 | 18,970,000 | 18,375,000 | 19,079,000 |
| Total loans | 11,584,000 | 12,505,000 | 12,695,000 | 12,855,000 |
| Allowance for loan losses | 447,000 | 751,000 | 754,000 | 484,000 |
| Securities available for sale | 3,716,000 | 3,653,000 | 4,781,000 | 4,727,000 |
| Securities held to maturity | 688,000 | 685,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,931,000 | 17,287,000 | 16,546,000 | 16,716,000 |
| Interest-bearing deposits | 14,496,000 | 15,055,000 | 14,967,000 | 15,024,000 |
| Noninterest-bearing deposits | 1,435,000 | 2,232,000 | 1,579,000 | 1,692,000 |
| Equity capital | 1,907,000 | 1,588,000 | 1,555,000 | 1,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 299,000 | 587,000 | 863,000 | 1,202,000 |
| Interest expense | 140,000 | 274,000 | 401,000 | 520,000 |
| Net interest income | 159,000 | 313,000 | 462,000 | 682,000 |
| Noninterest income | 8,000 | 14,000 | 26,000 | 36,000 |
| Noninterest expense | 158,000 | 297,000 | 484,000 | 660,000 |
| Provision for loan losses | 0 | 300,000 | 300,000 | 300,000 |
| Pretax income | 9,000 | -270,000 | -296,000 | -242,000 |
| Income tax | 0 | 1,000 | 1,000 | -21,000 |
| Net income | 9,000 | -271,000 | -297,000 | -221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,869,000 | 1,588,000 | 1,562,000 | 1,594,000 |
| Total capital | 2,036,000 | 1,769,000 | 1,745,000 | 1,777,000 |
| Risk-weighted assets | 13,208,000 | 13,945,000 | 14,063,000 | 14,514,000 |