Call reports 2015
MCCLAVE STATE BANK — 2015
What MCCLAVE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 25,719,000 | 27,820,000 | 31,322,000 | 33,004,000 |
| Total loans | 18,100,000 | 21,003,000 | 24,431,000 | 26,416,000 |
| Allowance for loan losses | 338,000 | 337,000 | 338,000 | 349,000 |
| Securities available for sale | 4,297,000 | 4,198,000 | 4,163,000 | 4,116,000 |
| Securities held to maturity | 0 | 680,000 | 680,000 | 630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,260,000 | 22,678,000 | 26,015,000 | 28,377,000 |
| Interest-bearing deposits | 19,986,000 | 21,532,000 | 24,179,000 | 26,336,000 |
| Noninterest-bearing deposits | 2,274,000 | 1,146,000 | 1,836,000 | 2,041,000 |
| Equity capital | 3,375,000 | 3,420,000 | 3,535,000 | 3,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 680,000 | 1,059,000 | 1,493,000 |
| Interest expense | 38,000 | 77,000 | 125,000 | 185,000 |
| Net interest income | 278,000 | 603,000 | 934,000 | 1,308,000 |
| Noninterest income | 16,000 | 3,000 | 29,000 | 54,000 |
| Noninterest expense | 195,000 | 393,000 | 599,000 | 852,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 99,000 | 213,000 | 364,000 | 500,000 |
| Income tax | 33,000 | 72,000 | 126,000 | 172,000 |
| Net income | 66,000 | 141,000 | 238,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,327,000 | 3,402,000 | 3,499,000 | 3,589,000 |
| Total capital | 3,560,000 | 3,673,000 | 3,813,000 | 3,930,000 |
| Risk-weighted assets | 18,563,000 | 21,610,000 | 25,091,000 | 27,269,000 |