Call reports 2015
MCFARLAND STATE BANK — 2015
What MCFARLAND STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 415,178,000 | 428,173,000 | 415,167,000 | 431,140,000 |
| Total loans | 365,052,000 | 353,439,000 | 360,219,000 | 366,754,000 |
| Allowance for loan losses | 9,269,000 | 7,947,000 | 7,887,000 | 7,841,000 |
| Securities available for sale | 16,828,000 | 17,971,000 | 17,265,000 | 26,145,000 |
| Securities held to maturity | 1,900,000 | 1,900,000 | 1,900,000 | 1,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,186,000 | 313,790,000 | 299,033,000 | 309,557,000 |
| Interest-bearing deposits | 224,026,000 | 216,667,000 | 211,626,000 | 218,944,000 |
| Noninterest-bearing deposits | 78,160,000 | 97,123,000 | 87,407,000 | 90,613,000 |
| Equity capital | 56,282,000 | 58,355,000 | 59,091,000 | 44,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,879,000 | 9,661,000 | 14,541,000 | 19,538,000 |
| Interest expense | 820,000 | 1,554,000 | 2,293,000 | 3,033,000 |
| Net interest income | 4,059,000 | 8,107,000 | 12,248,000 | 16,505,000 |
| Noninterest income | 504,000 | 804,000 | 909,000 | 1,191,000 |
| Noninterest expense | 2,679,000 | 5,089,000 | 7,810,000 | 10,362,000 |
| Provision for loan losses | 0 | -1,600,000 | -1,600,000 | -1,600,000 |
| Pretax income | 1,884,000 | 5,422,000 | 6,947,000 | 8,934,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,884,000 | 5,422,000 | 6,947,000 | 8,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,080,000 | 58,329,000 | 58,913,000 | 44,409,000 |
| Total capital | 68,171,000 | 70,291,000 | 70,892,000 | 56,550,000 |
| Risk-weighted assets | 402,065,000 | 394,012,000 | 395,417,000 | 408,603,000 |