Call reports 2005
MCFARLAND STATE BANK — 2005
What MCFARLAND STATE 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 | 185,047,000 | 198,176,000 | 224,616,000 | 253,877,000 |
| Total loans | 166,805,000 | 181,565,000 | 203,627,000 | 222,407,000 |
| Allowance for loan losses | 2,079,000 | 2,079,000 | 2,155,000 | 2,254,000 |
| Securities available for sale | 256,000 | 159,000 | 158,000 | 10,483,000 |
| Securities held to maturity | 4,850,000 | 4,850,000 | 4,850,000 | 4,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,476,000 | 163,529,000 | 183,354,000 | 203,952,000 |
| Interest-bearing deposits | 136,903,000 | 143,894,000 | 164,868,000 | 185,365,000 |
| Noninterest-bearing deposits | 16,573,000 | 19,635,000 | 18,486,000 | 18,587,000 |
| Equity capital | 18,288,000 | 19,526,000 | 20,889,000 | 22,997,000 |
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 | 2,582,000 | 5,487,000 | 8,940,000 | 12,798,000 |
| Interest expense | 895,000 | 1,987,000 | 3,324,000 | 4,908,000 |
| Net interest income | 1,687,000 | 3,500,000 | 5,616,000 | 7,890,000 |
| Noninterest income | 278,000 | 585,000 | 898,000 | 1,241,000 |
| Noninterest expense | 890,000 | 1,771,000 | 2,760,000 | 3,841,000 |
| Provision for loan losses | 118,000 | 118,000 | 194,000 | 294,000 |
| Pretax income | 957,000 | 2,196,000 | 3,560,000 | 4,996,000 |
| Income tax | 750,000 | 750,000 | 750,000 | 747,000 |
| Net income | 207,000 | 1,446,000 | 2,810,000 | 4,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,283,000 | 19,522,000 | 20,886,000 | 23,025,000 |
| Total capital | 20,362,000 | 21,601,000 | 23,041,000 | 25,279,000 |
| Risk-weighted assets | 176,207,000 | 191,378,000 | 216,503,000 | 229,735,000 |