Call reports 2005
BANK OF MCLOUTH, THE — 2005
What BANK OF MCLOUTH, THE 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 | 32,014,000 | 31,355,000 | 31,710,000 | 31,614,000 |
| Total loans | 17,629,000 | 17,877,000 | 18,080,000 | 18,711,000 |
| Allowance for loan losses | 324,000 | 326,000 | 355,000 | 350,000 |
| Securities available for sale | 12,905,000 | 12,874,000 | 12,348,000 | 11,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,186,000 | 25,287,000 | 24,513,000 | 24,509,000 |
| Interest-bearing deposits | 21,234,000 | 20,870,000 | 19,906,000 | 19,938,000 |
| Noninterest-bearing deposits | 4,952,000 | 4,417,000 | 4,607,000 | 4,571,000 |
| Equity capital | 5,710,000 | 5,869,000 | 5,919,000 | 5,907,000 |
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 | 380,000 | 764,000 | 1,160,000 | 1,564,000 |
| Interest expense | 64,000 | 133,000 | 212,000 | 299,000 |
| Net interest income | 316,000 | 631,000 | 948,000 | 1,265,000 |
| Noninterest income | 41,000 | 89,000 | 146,000 | 201,000 |
| Noninterest expense | 211,000 | 432,000 | 659,000 | 1,005,000 |
| Provision for loan losses | 15,000 | 15,000 | 25,000 | 35,000 |
| Pretax income | 131,000 | 273,000 | 410,000 | 348,000 |
| Income tax | 46,000 | 94,000 | 138,000 | 104,000 |
| Net income | 85,000 | 179,000 | 272,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,853,000 | 5,947,000 | 6,040,000 | 6,012,000 |
| Total capital | 6,160,000 | 6,258,000 | 6,333,000 | 6,317,000 |
| Risk-weighted assets | 24,558,000 | 24,864,000 | 23,387,000 | 24,356,000 |
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