Call reports 2004
MCVILLE STATE BANK — 2004
What MCVILLE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,471,000 | 22,160,000 | 22,965,000 | 22,397,000 |
| Total loans | 13,618,000 | 16,555,000 | 17,751,000 | 17,591,000 |
| Allowance for loan losses | 245,000 | 234,000 | 234,000 | 211,000 |
| Securities available for sale | 3,041,000 | 3,848,000 | 3,219,000 | 2,583,000 |
| Securities held to maturity | 1,198,000 | 1,028,000 | 1,012,000 | 1,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,677,000 | 17,642,000 | 18,613,000 | 19,950,000 |
| Interest-bearing deposits | 16,223,000 | 15,884,000 | 16,986,000 | 18,410,000 |
| Noninterest-bearing deposits | 1,454,000 | 1,758,000 | 1,627,000 | 1,540,000 |
| Equity capital | 1,646,000 | 1,665,000 | 1,756,000 | 1,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 284,000 | 579,000 | 926,000 | 1,270,000 |
| Interest expense | 99,000 | 198,000 | 312,000 | 434,000 |
| Net interest income | 185,000 | 381,000 | 614,000 | 836,000 |
| Noninterest income | 12,000 | 22,000 | 32,000 | 44,000 |
| Noninterest expense | 145,000 | 285,000 | 442,000 | 626,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 46,000 | 112,000 | 198,000 | 248,000 |
| Income tax | 0 | 6,000 | 14,000 | 20,000 |
| Net income | 46,000 | 106,000 | 184,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,624,000 | 1,685,000 | 1,762,000 | 1,681,000 |
| Total capital | 1,808,000 | 1,904,000 | 1,994,000 | 1,892,000 |
| Risk-weighted assets | 14,650,000 | 17,524,000 | 18,564,000 | 17,905,000 |