Call reports 2004
BANK OF MCLOUTH, THE — 2004
What BANK OF MCLOUTH, THE 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 | 32,192,000 | 31,491,000 | 31,720,000 | 31,625,000 |
| Total loans | 16,883,000 | 17,026,000 | 17,117,000 | 17,079,000 |
| Allowance for loan losses | 302,000 | 316,000 | 336,000 | 305,000 |
| Securities available for sale | 13,234,000 | 12,625,000 | 12,816,000 | 13,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,201,000 | 25,684,000 | 25,672,000 | 25,867,000 |
| Interest-bearing deposits | 22,078,000 | 21,333,000 | 21,140,000 | 21,389,000 |
| Noninterest-bearing deposits | 4,123,000 | 4,351,000 | 4,532,000 | 4,478,000 |
| Equity capital | 5,783,000 | 5,602,000 | 5,747,000 | 5,708,000 |
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 | 380,000 | 754,000 | 1,128,000 | 1,508,000 |
| Interest expense | 70,000 | 134,000 | 195,000 | 258,000 |
| Net interest income | 310,000 | 620,000 | 933,000 | 1,250,000 |
| Noninterest income | 51,000 | 101,000 | 149,000 | 200,000 |
| Noninterest expense | 234,000 | 474,000 | 690,000 | 1,058,000 |
| Provision for loan losses | 15,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 112,000 | 222,000 | 352,000 | 337,000 |
| Income tax | 30,000 | 59,000 | 102,000 | 79,000 |
| Net income | 82,000 | 163,000 | 250,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,697,000 | 5,673,000 | 5,760,000 | 5,768,000 |
| Total capital | 5,986,000 | 5,962,000 | 6,052,000 | 6,068,000 |
| Risk-weighted assets | 23,128,000 | 23,078,000 | 23,344,000 | 23,998,000 |