Call reports 2005
MCMULLEN BANK — 2005
What MCMULLEN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,946,000 | 34,823,000 | 35,481,000 | 36,130,000 |
| Total loans | 16,812,000 | 16,350,000 | 15,413,000 | 14,880,000 |
| Allowance for loan losses | 198,000 | 179,000 | 108,000 | 114,000 |
| Securities available for sale | 14,515,000 | 15,911,000 | 15,880,000 | 15,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,949,000 | 31,453,000 | 32,509,000 | 33,403,000 |
| Interest-bearing deposits | 24,673,000 | 23,678,000 | 24,385,000 | 23,018,000 |
| Noninterest-bearing deposits | 8,276,000 | 7,775,000 | 8,124,000 | 10,385,000 |
| Equity capital | 2,897,000 | 2,904,000 | 2,838,000 | 2,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 727,000 | 1,115,000 | 1,505,000 |
| Interest expense | 93,000 | 198,000 | 307,000 | 414,000 |
| Net interest income | 263,000 | 529,000 | 808,000 | 1,091,000 |
| Noninterest income | 67,000 | 118,000 | 172,000 | 225,000 |
| Noninterest expense | 425,000 | 837,000 | 1,243,000 | 1,646,000 |
| Provision for loan losses | 0 | 30,000 | -45,000 | -45,000 |
| Pretax income | -95,000 | -220,000 | -219,000 | -349,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -95,000 | -220,000 | -219,000 | -349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,050,000 | 2,925,000 | 2,927,000 | 2,796,000 |
| Total capital | 3,248,000 | 3,104,000 | 3,035,000 | 2,910,000 |
| Risk-weighted assets | 20,058,000 | 19,367,000 | 18,934,000 | 18,752,000 |