Call reports 2015
BANK OF MCCRORY — 2015
What BANK OF MCCRORY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,517,000 | 85,398,000 | 83,772,000 | 80,917,000 |
| Total loans | 25,093,000 | 29,489,000 | 33,686,000 | 25,923,000 |
| Allowance for loan losses | 348,000 | 411,000 | 308,000 | 304,000 |
| Securities available for sale | 45,652,000 | 43,372,000 | 44,096,000 | 45,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,168,000 | 77,092,000 | 75,141,000 | 72,792,000 |
| Interest-bearing deposits | 52,450,000 | 55,132,000 | 54,471,000 | 49,408,000 |
| Noninterest-bearing deposits | 24,718,000 | 21,960,000 | 20,670,000 | 23,384,000 |
| Equity capital | 8,293,000 | 8,257,000 | 8,596,000 | 8,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,112,000 | 1,713,000 | 2,285,000 |
| Interest expense | 29,000 | 57,000 | 84,000 | 109,000 |
| Net interest income | 542,000 | 1,055,000 | 1,629,000 | 2,176,000 |
| Noninterest income | 62,000 | 126,000 | 174,000 | 221,000 |
| Noninterest expense | 379,000 | 766,000 | 1,156,000 | 1,665,000 |
| Provision for loan losses | 0 | 85,000 | 85,000 | 85,000 |
| Pretax income | 225,000 | 330,000 | 562,000 | 647,000 |
| Income tax | 39,000 | 58,000 | 69,000 | 27,000 |
| Net income | 186,000 | 272,000 | 493,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,249,000 | 8,336,000 | 8,557,000 | 8,085,000 |
| Total capital | 8,249,000 | 8,747,000 | 8,865,000 | 8,389,000 |
| Risk-weighted assets | 39,142,000 | 42,911,000 | 46,251,000 | 39,697,000 |