Call reports 2006
MCVILLE STATE BANK — 2006
What MCVILLE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 24,802,000 | 26,695,000 | 28,280,000 | 27,660,000 |
| Total loans | 19,137,000 | 21,761,000 | 22,824,000 | 21,589,000 |
| Allowance for loan losses | 219,000 | 219,000 | 212,000 | 214,000 |
| Securities available for sale | 3,174,000 | 3,108,000 | 3,195,000 | 3,194,000 |
| Securities held to maturity | 991,000 | 859,000 | 854,000 | 854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,722,000 | 22,542,000 | 22,765,000 | 24,574,000 |
| Interest-bearing deposits | 20,350,000 | 20,129,000 | 20,745,000 | 21,935,000 |
| Noninterest-bearing deposits | 2,372,000 | 2,413,000 | 2,020,000 | 2,638,000 |
| Equity capital | 1,877,000 | 2,002,000 | 2,185,000 | 2,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 843,000 | 1,355,000 | 1,856,000 |
| Interest expense | 152,000 | 333,000 | 568,000 | 789,000 |
| Net interest income | 246,000 | 510,000 | 787,000 | 1,067,000 |
| Noninterest income | 22,000 | 46,000 | 79,000 | 106,000 |
| Noninterest expense | 188,000 | 384,000 | 597,000 | 876,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 80,000 | 71,000 | 168,000 | 196,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 15,000 |
| Net income | 75,000 | 66,000 | 163,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,953,000 | 2,144,000 | 2,240,000 | 2,108,000 |
| Total capital | 2,172,000 | 2,363,000 | 2,452,000 | 2,322,000 |
| Risk-weighted assets | 19,766,000 | 22,262,000 | 23,385,000 | 22,282,000 |