Call reports 2003
MCFARLAND STATE BANK — 2003
What MCFARLAND STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 130,830,000 | 137,295,000 | 136,136,000 | 140,221,000 |
| Total loans | 116,529,000 | 118,053,000 | 118,123,000 | 122,312,000 |
| Allowance for loan losses | 1,338,000 | 1,424,000 | 1,434,000 | 1,528,000 |
| Securities available for sale | 1,375,000 | 1,332,000 | 1,263,000 | 499,000 |
| Securities held to maturity | 2,850,000 | 3,704,000 | 3,450,000 | 4,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,138,000 | 114,927,000 | 112,711,000 | 113,320,000 |
| Interest-bearing deposits | 97,227,000 | 102,525,000 | 101,994,000 | 102,673,000 |
| Noninterest-bearing deposits | 10,911,000 | 12,402,000 | 10,717,000 | 10,647,000 |
| Equity capital | 11,076,000 | 11,642,000 | 12,239,000 | 13,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,984,000 | 3,980,000 | 5,928,000 | 7,870,000 |
| Interest expense | 680,000 | 1,381,000 | 2,065,000 | 2,712,000 |
| Net interest income | 1,304,000 | 2,599,000 | 3,863,000 | 5,158,000 |
| Noninterest income | 475,000 | 1,203,000 | 1,871,000 | 2,202,000 |
| Noninterest expense | 964,000 | 2,046,000 | 3,041,000 | 4,308,000 |
| Provision for loan losses | 21,000 | 108,000 | 129,000 | 235,000 |
| Pretax income | 794,000 | 1,648,000 | 2,564,000 | 2,817,000 |
| Income tax | 263,000 | 551,000 | 866,000 | 923,000 |
| Net income | 531,000 | 1,097,000 | 1,698,000 | 1,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,060,000 | 11,626,000 | 12,227,000 | 13,423,000 |
| Total capital | 12,398,000 | 13,050,000 | 13,661,000 | 14,951,000 |
| Risk-weighted assets | 122,666,000 | 126,721,000 | 128,770,000 | 135,658,000 |