Call reports 2006
MCFARLAND STATE BANK — 2006
What MCFARLAND STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 259,568,000 | 267,668,000 | 277,487,000 | 293,720,000 |
| Total loans | 231,985,000 | 238,759,000 | 248,714,000 | 259,976,000 |
| Allowance for loan losses | 2,404,000 | 2,499,000 | 2,604,000 | 2,725,000 |
| Securities available for sale | 10,440,000 | 10,393,000 | 11,014,000 | 11,702,000 |
| Securities held to maturity | 4,850,000 | 4,750,000 | 4,750,000 | 4,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,007,000 | 216,187,000 | 226,203,000 | 237,744,000 |
| Interest-bearing deposits | 186,417,000 | 198,310,000 | 208,796,000 | 218,539,000 |
| Noninterest-bearing deposits | 17,590,000 | 17,877,000 | 17,407,000 | 19,205,000 |
| Equity capital | 24,347,000 | 22,655,000 | 23,763,000 | 24,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,114,000 | 8,499,000 | 13,187,000 | 18,098,000 |
| Interest expense | 1,874,000 | 3,944,000 | 6,363,000 | 8,896,000 |
| Net interest income | 2,240,000 | 4,555,000 | 6,824,000 | 9,202,000 |
| Noninterest income | 296,000 | 597,000 | 865,000 | 1,153,000 |
| Noninterest expense | 1,028,000 | 2,127,000 | 3,460,000 | 4,731,000 |
| Provision for loan losses | 150,000 | 245,000 | 350,000 | 545,000 |
| Pretax income | 1,358,000 | 2,780,000 | 3,879,000 | 5,079,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,358,000 | 2,780,000 | 3,879,000 | 5,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,383,000 | 22,749,000 | 23,848,000 | 24,168,000 |
| Total capital | 26,787,000 | 25,248,000 | 26,452,000 | 26,893,000 |
| Risk-weighted assets | 238,746,000 | 236,855,000 | 249,372,000 | 259,746,000 |