Call reports 2007
BANK OF MCLOUTH, THE — 2007
What BANK OF MCLOUTH, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,855,000 | 34,126,000 | 35,075,000 | 35,418,000 |
| Total loans | 20,747,000 | 21,608,000 | 22,206,000 | 22,353,000 |
| Allowance for loan losses | 364,000 | 328,000 | 348,000 | 328,000 |
| Securities available for sale | 9,407,000 | 9,762,000 | 9,560,000 | 10,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,429,000 | 27,552,000 | 28,248,000 | 28,709,000 |
| Interest-bearing deposits | 21,370,000 | 22,787,000 | 23,082,000 | 23,047,000 |
| Noninterest-bearing deposits | 5,059,000 | 4,765,000 | 5,166,000 | 5,662,000 |
| Equity capital | 6,242,000 | 6,304,000 | 6,473,000 | 6,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 953,000 | 1,458,000 | 1,990,000 |
| Interest expense | 135,000 | 281,000 | 438,000 | 610,000 |
| Net interest income | 328,000 | 672,000 | 1,020,000 | 1,380,000 |
| Noninterest income | 47,000 | 96,000 | 149,000 | 203,000 |
| Noninterest expense | 221,000 | 455,000 | 719,000 | 1,049,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 25,000 |
| Pretax income | 154,000 | 303,000 | 430,000 | 509,000 |
| Income tax | 55,000 | 101,000 | 140,000 | 158,000 |
| Net income | 99,000 | 202,000 | 290,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,301,000 | 6,404,000 | 6,492,000 | 6,553,000 |
| Total capital | 6,635,000 | 6,732,000 | 6,840,000 | 6,881,000 |
| Risk-weighted assets | 26,715,000 | 27,734,000 | 28,681,000 | 35,754,000 |