Call reports 2016
MCCLAVE STATE BANK — 2016
What MCCLAVE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 33,952,000 | 35,928,000 | 38,030,000 | 37,315,000 |
| Total loans | 27,519,000 | 29,206,000 | 31,015,000 | 29,802,000 |
| Allowance for loan losses | 360,000 | 390,000 | 420,000 | 360,000 |
| Securities available for sale | 4,131,000 | 4,300,000 | 4,210,000 | 4,054,000 |
| Securities held to maturity | 630,000 | 630,000 | 630,000 | 580,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,431,000 | 29,821,000 | 31,757,000 | 33,004,000 |
| Interest-bearing deposits | 27,492,000 | 26,448,000 | 30,366,000 | 30,395,000 |
| Noninterest-bearing deposits | 1,939,000 | 3,373,000 | 1,391,000 | 2,609,000 |
| Equity capital | 3,754,000 | 3,912,000 | 4,099,000 | 4,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 452,000 | 950,000 | 1,446,000 | 1,943,000 |
| Interest expense | 65,000 | 134,000 | 211,000 | 291,000 |
| Net interest income | 387,000 | 816,000 | 1,235,000 | 1,652,000 |
| Noninterest income | 19,000 | 130,000 | 273,000 | 298,000 |
| Noninterest expense | 237,000 | 471,000 | 712,000 | 980,000 |
| Provision for loan losses | 11,000 | 93,000 | 122,000 | 138,000 |
| Pretax income | 158,000 | 382,000 | 674,000 | 832,000 |
| Income tax | 56,000 | 140,000 | 234,000 | 288,000 |
| Net income | 102,000 | 242,000 | 440,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,691,000 | 3,831,000 | 3,993,000 | 4,135,000 |
| Total capital | 4,045,000 | 4,205,000 | 4,413,000 | 4,495,000 |
| Risk-weighted assets | 28,399,000 | 29,906,000 | 33,591,000 | 32,501,000 |