Call reports 2014
MCCLAVE STATE BANK — 2014
What MCCLAVE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 25,479,000 | 25,966,000 | 25,352,000 | 25,791,000 |
| Total loans | 18,285,000 | 18,954,000 | 18,292,000 | 19,011,000 |
| Allowance for loan losses | 325,000 | 328,000 | 274,000 | 322,000 |
| Securities available for sale | 4,686,000 | 4,657,000 | 4,632,000 | 4,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,998,000 | 22,100,000 | 22,018,000 | 22,218,000 |
| Interest-bearing deposits | 19,885,000 | 20,057,000 | 20,075,000 | 19,831,000 |
| Noninterest-bearing deposits | 2,113,000 | 2,043,000 | 1,943,000 | 2,387,000 |
| Equity capital | 2,988,000 | 3,109,000 | 3,202,000 | 3,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 311,000 | 669,000 | 1,003,000 | 1,343,000 |
| Interest expense | 39,000 | 80,000 | 119,000 | 159,000 |
| Net interest income | 272,000 | 589,000 | 884,000 | 1,184,000 |
| Noninterest income | 14,000 | 32,000 | 52,000 | 73,000 |
| Noninterest expense | 194,000 | 387,000 | 583,000 | 796,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 234,000 | 353,000 | 461,000 |
| Income tax | 30,000 | 81,000 | 123,000 | 160,000 |
| Net income | 62,000 | 153,000 | 230,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,021,000 | 3,112,000 | 3,189,000 | 3,261,000 |
| Total capital | 3,248,000 | 3,348,000 | 3,420,000 | 3,497,000 |
| Risk-weighted assets | 18,049,000 | 18,809,000 | 18,481,000 | 18,856,000 |