Call reports 2004
MCMULLEN BANK — 2004
What MCMULLEN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,026,000 | 37,557,000 | 35,854,000 | 34,224,000 |
| Total loans | 18,070,000 | 18,004,000 | 17,615,000 | 16,947,000 |
| Allowance for loan losses | 495,000 | 301,000 | 282,000 | 185,000 |
| Securities available for sale | 16,614,000 | 15,511,000 | 15,195,000 | 14,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,639,000 | 34,367,000 | 32,613,000 | 31,023,000 |
| Interest-bearing deposits | 27,753,000 | 26,972,000 | 24,842,000 | 22,344,000 |
| Noninterest-bearing deposits | 7,886,000 | 7,395,000 | 7,771,000 | 8,679,000 |
| Equity capital | 3,263,000 | 3,051,000 | 3,103,000 | 3,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 409,000 | 816,000 | 1,198,000 | 1,593,000 |
| Interest expense | 80,000 | 157,000 | 239,000 | 326,000 |
| Net interest income | 329,000 | 659,000 | 959,000 | 1,267,000 |
| Noninterest income | 63,000 | 121,000 | 179,000 | 241,000 |
| Noninterest expense | 484,000 | 946,000 | 1,413,000 | 1,832,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -350,000 |
| Pretax income | -83,000 | 43,000 | -68,000 | 33,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -83,000 | 43,000 | -68,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,092,000 | 3,265,000 | 3,155,000 | 3,145,000 |
| Total capital | 3,362,000 | 3,535,000 | 3,410,000 | 3,330,000 |
| Risk-weighted assets | 21,342,000 | 21,603,000 | 20,353,000 | 19,649,000 |