Call reports 2003
MCVILLE STATE BANK — 2003
What MCVILLE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,491,000 | 18,447,000 | 19,651,000 | 18,955,000 |
| Total loans | 14,224,000 | 15,520,000 | 15,070,000 | 13,493,000 |
| Allowance for loan losses | 223,000 | 228,000 | 234,000 | 239,000 |
| Securities available for sale | 1,397,000 | 1,299,000 | 2,314,000 | 2,803,000 |
| Securities held to maturity | 1,019,000 | 978,000 | 1,053,000 | 1,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,696,000 | 16,565,000 | 16,741,000 | 17,197,000 |
| Interest-bearing deposits | 15,336,000 | 15,173,000 | 15,423,000 | 15,501,000 |
| Noninterest-bearing deposits | 1,360,000 | 1,392,000 | 1,318,000 | 1,696,000 |
| Equity capital | 1,637,000 | 1,723,000 | 1,815,000 | 1,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 300,000 | 604,000 | 927,000 | 1,226,000 |
| Interest expense | 111,000 | 219,000 | 325,000 | 425,000 |
| Net interest income | 189,000 | 385,000 | 602,000 | 801,000 |
| Noninterest income | 10,000 | 23,000 | 33,000 | 43,000 |
| Noninterest expense | 103,000 | 208,000 | 348,000 | 509,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 90,000 | 186,000 | 266,000 | 308,000 |
| Income tax | 0 | 12,000 | 18,000 | 24,000 |
| Net income | 90,000 | 174,000 | 248,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,634,000 | 1,718,000 | 1,793,000 | 1,578,000 |
| Total capital | 1,820,000 | 1,915,000 | 1,992,000 | 1,759,000 |
| Risk-weighted assets | 14,815,000 | 15,759,000 | 15,916,000 | 14,428,000 |