Call reports 2007
MCFARLAND STATE BANK — 2007
What MCFARLAND STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 287,745,000 | 292,259,000 | 298,768,000 | 308,762,000 |
| Total loans | 256,379,000 | 257,844,000 | 264,041,000 | 271,266,000 |
| Allowance for loan losses | 2,756,000 | 2,845,000 | 2,935,000 | 2,922,000 |
| Securities available for sale | 12,251,000 | 12,125,000 | 12,215,000 | 12,294,000 |
| Securities held to maturity | 4,750,000 | 4,750,000 | 3,750,000 | 2,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,624,000 | 231,989,000 | 236,195,000 | 250,667,000 |
| Interest-bearing deposits | 210,440,000 | 215,083,000 | 220,268,000 | 233,626,000 |
| Noninterest-bearing deposits | 17,184,000 | 16,906,000 | 15,927,000 | 17,041,000 |
| Equity capital | 24,888,000 | 25,000,000 | 25,087,000 | 25,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,903,000 | 9,914,000 | 15,068,000 | 20,170,000 |
| Interest expense | 2,650,000 | 5,348,000 | 8,192,000 | 11,005,000 |
| Net interest income | 2,253,000 | 4,566,000 | 6,876,000 | 9,165,000 |
| Noninterest income | 279,000 | 593,000 | 921,000 | 1,320,000 |
| Noninterest expense | 1,204,000 | 2,415,000 | 3,600,000 | 4,995,000 |
| Provision for loan losses | 30,000 | 120,000 | 210,000 | 210,000 |
| Pretax income | 1,298,000 | 2,624,000 | 3,987,000 | 5,280,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,298,000 | 2,624,000 | 3,987,000 | 5,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,866,000 | 25,114,000 | 25,122,000 | 25,216,000 |
| Total capital | 27,622,000 | 27,959,000 | 28,057,000 | 28,138,000 |
| Risk-weighted assets | 259,572,000 | 263,377,000 | 266,614,000 | 272,118,000 |