Call reports 2004
MCFARLAND STATE BANK — 2004
What MCFARLAND STATE 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 | 149,729,000 | 157,953,000 | 169,842,000 | 180,114,000 |
| Total loans | 131,123,000 | 142,714,000 | 153,520,000 | 154,108,000 |
| Allowance for loan losses | 1,549,000 | 1,566,000 | 1,667,000 | 1,961,000 |
| Securities available for sale | 453,000 | 258,000 | 259,000 | 257,000 |
| Securities held to maturity | 4,850,000 | 4,850,000 | 4,850,000 | 4,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,685,000 | 131,315,000 | 144,018,000 | 152,901,000 |
| Interest-bearing deposits | 108,358,000 | 118,205,000 | 128,827,000 | 132,753,000 |
| Noninterest-bearing deposits | 16,327,000 | 13,110,000 | 15,191,000 | 20,148,000 |
| Equity capital | 13,954,000 | 14,528,000 | 15,082,000 | 15,080,000 |
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 | 2,016,000 | 4,138,000 | 6,419,000 | 8,832,000 |
| Interest expense | 653,000 | 1,350,000 | 2,171,000 | 3,039,000 |
| Net interest income | 1,363,000 | 2,788,000 | 4,248,000 | 5,793,000 |
| Noninterest income | 309,000 | 647,000 | 1,011,000 | 1,336,000 |
| Noninterest expense | 854,000 | 1,702,000 | 2,569,000 | 3,994,000 |
| Provision for loan losses | 21,000 | 42,000 | 143,000 | 437,000 |
| Pretax income | 797,000 | 1,691,000 | 2,547,000 | 2,698,000 |
| Income tax | 274,000 | 591,000 | 894,000 | 1,045,000 |
| Net income | 523,000 | 1,100,000 | 1,653,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,946,000 | 14,523,000 | 15,076,000 | 15,076,000 |
| Total capital | 15,495,000 | 16,089,000 | 16,743,000 | 17,037,000 |
| Risk-weighted assets | 143,284,000 | 154,268,000 | 162,815,000 | 164,833,000 |