Call reports 2002
MCFARLAND STATE BANK — 2002
What MCFARLAND STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 102,647,000 | 109,225,000 | 111,460,000 | 123,648,000 |
| Total loans | 93,398,000 | 94,384,000 | 100,475,000 | 108,654,000 |
| Allowance for loan losses | 1,129,000 | 1,155,000 | 1,180,000 | 1,320,000 |
| Securities available for sale | 2,010,000 | 1,584,000 | 1,586,000 | 1,228,000 |
| Securities held to maturity | 100,000 | 100,000 | 1,100,000 | 2,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,723,000 | 89,774,000 | 90,397,000 | 102,005,000 |
| Interest-bearing deposits | 76,251,000 | 79,522,000 | 80,367,000 | 86,960,000 |
| Noninterest-bearing deposits | 7,472,000 | 10,252,000 | 10,030,000 | 15,045,000 |
| Equity capital | 8,978,000 | 9,440,000 | 9,843,000 | 10,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,773,000 | 3,553,000 | 5,433,000 | 7,440,000 |
| Interest expense | 696,000 | 1,352,000 | 2,008,000 | 2,670,000 |
| Net interest income | 1,077,000 | 2,201,000 | 3,425,000 | 4,770,000 |
| Noninterest income | 331,000 | 607,000 | 1,043,000 | 1,723,000 |
| Noninterest expense | 700,000 | 1,397,000 | 2,305,000 | 3,711,000 |
| Provision for loan losses | 8,000 | 34,000 | 59,000 | 219,000 |
| Pretax income | 700,000 | 1,377,000 | 2,104,000 | 2,563,000 |
| Income tax | 223,000 | 435,000 | 665,000 | 801,000 |
| Net income | 477,000 | 942,000 | 1,439,000 | 1,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,960,000 | 9,425,000 | 9,826,000 | 10,529,000 |
| Total capital | 10,089,000 | 10,580,000 | 11,006,000 | 11,849,000 |
| Risk-weighted assets | 96,998,000 | 98,967,000 | 104,290,000 | 114,359,000 |