Call reports 2003
BANK OF MCLOUTH, THE — 2003
What BANK OF MCLOUTH, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 31,556,000 | 31,076,000 | 32,071,000 | 31,382,000 |
| Total loans | 16,655,000 | 16,306,000 | 16,855,000 | 16,459,000 |
| Allowance for loan losses | 290,000 | 282,000 | 293,000 | 300,000 |
| Securities available for sale | 12,394,000 | 11,536,000 | 11,727,000 | 12,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,692,000 | 25,094,000 | 26,009,000 | 25,620,000 |
| Interest-bearing deposits | 21,803,000 | 21,454,000 | 22,231,000 | 21,600,000 |
| Noninterest-bearing deposits | 3,889,000 | 3,640,000 | 3,778,000 | 4,020,000 |
| Equity capital | 5,537,000 | 5,589,000 | 5,697,000 | 5,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 808,000 | 1,192,000 | 1,574,000 |
| Interest expense | 99,000 | 188,000 | 265,000 | 340,000 |
| Net interest income | 312,000 | 620,000 | 927,000 | 1,234,000 |
| Noninterest income | 48,000 | 97,000 | 147,000 | 206,000 |
| Noninterest expense | 217,000 | 447,000 | 673,000 | 1,035,000 |
| Provision for loan losses | 20,000 | 40,000 | 55,000 | 65,000 |
| Pretax income | 123,000 | 230,000 | 346,000 | 340,000 |
| Income tax | 43,000 | 75,000 | 100,000 | 93,000 |
| Net income | 80,000 | 155,000 | 246,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,381,000 | 5,456,000 | 5,614,000 | 5,615,000 |
| Total capital | 5,661,000 | 5,734,000 | 5,904,000 | 5,898,000 |
| Risk-weighted assets | 22,376,000 | 22,207,000 | 23,216,000 | 22,654,000 |