Call reports 2019
MCCLAVE STATE BANK — 2019
What MCCLAVE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 42,724,000 | 43,852,000 | 43,852,000 | 45,503,000 |
| Total loans | 33,461,000 | 37,245,000 | 36,901,000 | 38,863,000 |
| Allowance for loan losses | 421,000 | 377,000 | 393,000 | 487,000 |
| Securities available for sale | 4,266,000 | 4,258,000 | 4,223,000 | 4,193,000 |
| Securities held to maturity | 480,000 | 480,000 | 480,000 | 425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,089,000 | 35,802,000 | 35,343,000 | 37,386,000 |
| Interest-bearing deposits | 31,773,000 | 32,725,000 | 32,356,000 | 32,210,000 |
| Noninterest-bearing deposits | 3,316,000 | 3,078,000 | 2,986,000 | 5,176,000 |
| Equity capital | 5,524,000 | 5,742,000 | 5,910,000 | 5,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 663,000 | 1,329,000 | 2,035,000 | 2,737,000 |
| Interest expense | 143,000 | 290,000 | 445,000 | 596,000 |
| Net interest income | 520,000 | 1,039,000 | 1,590,000 | 2,141,000 |
| Noninterest income | 21,000 | 41,000 | 67,000 | 90,000 |
| Noninterest expense | 275,000 | 555,000 | 900,000 | 1,345,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 230,000 |
| Pretax income | 266,000 | 510,000 | 727,000 | 656,000 |
| Income tax | 62,000 | 119,000 | 170,000 | 149,000 |
| Net income | 204,000 | 391,000 | 557,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,531,000 | 5,718,000 | 5,884,000 | 5,834,000 |
| Total capital | 5,952,000 | 6,094,000 | 6,277,000 | 6,321,000 |
| Risk-weighted assets | 36,432,000 | 40,141,000 | 40,345,000 | 41,641,000 |