Call reports 2009
BANK OF MCLOUTH, THE — 2009
What BANK OF MCLOUTH, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 39,042,000 | 37,553,000 | 37,411,000 | 37,155,000 |
| Total loans | 22,199,000 | 23,273,000 | 23,468,000 | 22,459,000 |
| Allowance for loan losses | 330,000 | 373,000 | 403,000 | 400,000 |
| Securities available for sale | 12,000,000 | 11,703,000 | 11,673,000 | 12,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,690,000 | 29,889,000 | 29,641,000 | 29,681,000 |
| Interest-bearing deposits | 26,260,000 | 25,015,000 | 23,954,000 | 23,974,000 |
| Noninterest-bearing deposits | 5,430,000 | 4,874,000 | 5,687,000 | 5,707,000 |
| Equity capital | 7,106,000 | 7,205,000 | 7,385,000 | 7,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 476,000 | 986,000 | 1,469,000 | 1,936,000 |
| Interest expense | 114,000 | 219,000 | 315,000 | 401,000 |
| Net interest income | 362,000 | 767,000 | 1,154,000 | 1,535,000 |
| Noninterest income | 38,000 | 84,000 | 122,000 | 161,000 |
| Noninterest expense | 225,000 | 496,000 | 758,000 | 1,087,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 160,000 | 310,000 | 443,000 | 504,000 |
| Income tax | 45,000 | 83,000 | 116,000 | 126,000 |
| Net income | 115,000 | 227,000 | 327,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,921,000 | 7,033,000 | 7,133,000 | 7,184,000 |
| Total capital | 7,251,000 | 7,406,000 | 7,511,000 | 7,551,000 |
| Risk-weighted assets | 29,598,000 | 30,209,000 | 30,249,000 | 29,324,000 |