Call reports 2004
MCCURTAIN COUNTY NATIONAL BANK — 2004
What MCCURTAIN COUNTY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 97,157,000 | 91,946,000 | 94,242,000 | 98,935,000 |
| Total loans | 53,126,000 | 54,557,000 | 56,278,000 | 57,256,000 |
| Allowance for loan losses | 736,000 | 776,000 | 805,000 | 800,000 |
| Securities available for sale | 17,116,000 | 19,849,000 | 19,632,000 | 18,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,906,000 | 84,714,000 | 86,518,000 | 90,925,000 |
| Interest-bearing deposits | 74,540,000 | 68,708,000 | 71,905,000 | 74,955,000 |
| Noninterest-bearing deposits | 15,365,000 | 16,005,000 | 14,613,000 | 15,970,000 |
| Equity capital | 7,123,000 | 7,115,000 | 7,559,000 | 7,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,063,000 | 2,218,000 | 3,425,000 | 4,627,000 |
| Interest expense | 356,000 | 704,000 | 1,040,000 | 1,403,000 |
| Net interest income | 707,000 | 1,514,000 | 2,385,000 | 3,224,000 |
| Noninterest income | 190,000 | 383,000 | 594,000 | 797,000 |
| Noninterest expense | 595,000 | 1,208,000 | 1,864,000 | 2,534,000 |
| Provision for loan losses | 70,000 | 130,000 | 150,000 | 180,000 |
| Pretax income | 232,000 | 559,000 | 965,000 | 1,307,000 |
| Income tax | 1,000 | 173,000 | 269,000 | 334,000 |
| Net income | 231,000 | 386,000 | 696,000 | 973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,071,000 | 7,224,000 | 7,535,000 | 7,812,000 |
| Total capital | 7,806,000 | 7,940,000 | 8,267,000 | 8,612,000 |
| Risk-weighted assets | 68,618,000 | 57,191,000 | 58,506,000 | 72,429,000 |