Call reports 2005
MCVILLE STATE BANK — 2005
What MCVILLE STATE BANK 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 | 22,380,000 | 23,141,000 | 23,640,000 | 23,720,000 |
| Total loans | 18,234,000 | 19,254,000 | 19,678,000 | 18,882,000 |
| Allowance for loan losses | 218,000 | 251,000 | 258,000 | 219,000 |
| Securities available for sale | 2,226,000 | 2,240,000 | 2,224,000 | 2,206,000 |
| Securities held to maturity | 1,101,000 | 1,011,000 | 1,006,000 | 1,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,462,000 | 19,994,000 | 20,406,000 | 21,674,000 |
| Interest-bearing deposits | 18,700,000 | 18,141,000 | 18,783,000 | 19,493,000 |
| Noninterest-bearing deposits | 1,762,000 | 1,853,000 | 1,623,000 | 2,181,000 |
| Equity capital | 1,741,000 | 1,862,000 | 1,805,000 | 1,835,000 |
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 | 343,000 | 712,000 | 1,102,000 | 1,496,000 |
| Interest expense | 117,000 | 239,000 | 385,000 | 526,000 |
| Net interest income | 226,000 | 473,000 | 717,000 | 970,000 |
| Noninterest income | 12,000 | 27,000 | 45,000 | 64,000 |
| Noninterest expense | 142,000 | 289,000 | 460,000 | 679,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 90,000 | 203,000 | 294,000 | 347,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 84,000 | 191,000 | 276,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,765,000 | 1,872,000 | 1,831,000 | 1,879,000 |
| Total capital | 1,983,000 | 2,112,000 | 2,075,000 | 2,098,000 |
| Risk-weighted assets | 18,249,000 | 19,221,000 | 19,492,000 | 19,371,000 |