Call reports 2005
MCCURTAIN COUNTY NATIONAL BANK — 2005
What MCCURTAIN COUNTY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 104,515,000 | 106,494,000 | 113,193,000 | 111,205,000 |
| Total loans | 58,827,000 | 59,955,000 | 62,106,000 | 63,172,000 |
| Allowance for loan losses | 844,000 | 868,000 | 901,000 | 918,000 |
| Securities available for sale | 20,756,000 | 21,095,000 | 23,131,000 | 22,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,575,000 | 98,299,000 | 104,753,000 | 102,756,000 |
| Interest-bearing deposits | 80,468,000 | 81,693,000 | 89,233,000 | 86,055,000 |
| Noninterest-bearing deposits | 16,107,000 | 16,605,000 | 15,519,000 | 16,701,000 |
| Equity capital | 7,726,000 | 7,787,000 | 7,938,000 | 8,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,277,000 | 2,640,000 | 4,117,000 | 5,651,000 |
| Interest expense | 426,000 | 918,000 | 1,518,000 | 2,170,000 |
| Net interest income | 851,000 | 1,722,000 | 2,599,000 | 3,481,000 |
| Noninterest income | 209,000 | 437,000 | 679,000 | 896,000 |
| Noninterest expense | 687,000 | 1,347,000 | 2,098,000 | 2,887,000 |
| Provision for loan losses | 50,000 | 110,000 | 150,000 | 170,000 |
| Pretax income | 323,000 | 702,000 | 1,030,000 | 1,320,000 |
| Income tax | 93,000 | 452,000 | 581,000 | 703,000 |
| Net income | 230,000 | 250,000 | 449,000 | 617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,890,000 | 7,912,000 | 8,109,000 | 8,277,000 |
| Total capital | 8,734,000 | 8,711,000 | 8,948,000 | 9,125,000 |
| Risk-weighted assets | 76,117,000 | 63,845,000 | 67,129,000 | 67,817,000 |