Call reports 2008
MCFARLAND STATE BANK — 2008
What MCFARLAND STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 308,956,000 | 332,126,000 | 349,563,000 | 363,768,000 |
| Total loans | 283,334,000 | 305,066,000 | 322,538,000 | 331,244,000 |
| Allowance for loan losses | 2,586,000 | 2,647,000 | 2,717,000 | 3,130,000 |
| Securities available for sale | 1,828,000 | 1,784,000 | 1,772,000 | 2,002,000 |
| Securities held to maturity | 2,250,000 | 2,250,000 | 2,250,000 | 2,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,036,000 | 261,041,000 | 283,129,000 | 291,943,000 |
| Interest-bearing deposits | 234,153,000 | 242,136,000 | 264,279,000 | 272,525,000 |
| Noninterest-bearing deposits | 16,883,000 | 18,905,000 | 18,850,000 | 19,418,000 |
| Equity capital | 26,391,000 | 28,886,000 | 31,483,000 | 32,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,215,000 | 10,337,000 | 15,567,000 | 21,104,000 |
| Interest expense | 2,657,000 | 5,207,000 | 7,929,000 | 10,540,000 |
| Net interest income | 2,558,000 | 5,130,000 | 7,638,000 | 10,564,000 |
| Noninterest income | 314,000 | 657,000 | 1,041,000 | 1,393,000 |
| Noninterest expense | 1,349,000 | 2,757,000 | 4,156,000 | 5,586,000 |
| Provision for loan losses | 90,000 | 210,000 | 330,000 | 945,000 |
| Pretax income | 1,433,000 | 2,820,000 | 4,193,000 | 5,426,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,433,000 | 2,820,000 | 4,193,000 | 5,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,369,000 | 28,908,000 | 31,517,000 | 32,260,000 |
| Total capital | 28,955,000 | 31,555,000 | 34,234,000 | 35,390,000 |
| Risk-weighted assets | 275,109,000 | 306,085,000 | 324,110,000 | 326,459,000 |