Call reports 2005
BANK OF MCCRORY — 2005
What BANK OF MCCRORY 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 | 64,871,000 | 63,538,000 | 64,319,000 | 69,013,000 |
| Total loans | 33,761,000 | 40,135,000 | 44,707,000 | 37,046,000 |
| Allowance for loan losses | 644,000 | 654,000 | 783,000 | 740,000 |
| Securities available for sale | 26,127,000 | 20,358,000 | 16,330,000 | 20,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,216,000 | 55,483,000 | 56,027,000 | 61,440,000 |
| Interest-bearing deposits | 46,775,000 | 45,989,000 | 45,477,000 | 47,753,000 |
| Noninterest-bearing deposits | 10,441,000 | 9,494,000 | 10,550,000 | 13,687,000 |
| Equity capital | 7,433,000 | 7,844,000 | 8,045,000 | 7,443,000 |
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 | 813,000 | 1,675,000 | 2,659,000 | 3,627,000 |
| Interest expense | 182,000 | 386,000 | 604,000 | 843,000 |
| Net interest income | 631,000 | 1,289,000 | 2,055,000 | 2,784,000 |
| Noninterest income | 86,000 | 178,000 | 268,000 | 351,000 |
| Noninterest expense | 328,000 | 648,000 | 966,000 | 1,608,000 |
| Provision for loan losses | 0 | 10,000 | 145,000 | 145,000 |
| Pretax income | 389,000 | 752,000 | 1,050,000 | 1,220,000 |
| Income tax | 130,000 | 252,000 | 351,000 | 438,000 |
| Net income | 259,000 | 500,000 | 699,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,748,000 | 7,989,000 | 8,188,000 | 7,591,000 |
| Total capital | 8,229,000 | 8,546,000 | 8,793,000 | 8,147,000 |
| Risk-weighted assets | 38,454,000 | 44,481,000 | 48,212,000 | 44,268,000 |