Call reports 2007
MCVILLE STATE BANK — 2007
What MCVILLE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,574,000 | 27,012,000 | 28,824,000 | 29,781,000 |
| Total loans | 20,707,000 | 21,120,000 | 22,800,000 | 23,214,000 |
| Allowance for loan losses | 217,000 | 217,000 | 203,000 | 119,000 |
| Securities available for sale | 3,189,000 | 3,153,000 | 3,199,000 | 3,248,000 |
| Securities held to maturity | 844,000 | 875,000 | 865,000 | 865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,358,000 | 24,115,000 | 25,815,000 | 26,745,000 |
| Interest-bearing deposits | 22,370,000 | 22,141,000 | 22,957,000 | 23,837,000 |
| Noninterest-bearing deposits | 1,988,000 | 1,974,000 | 2,858,000 | 2,908,000 |
| Equity capital | 1,933,000 | 2,602,000 | 2,681,000 | 2,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 477,000 | 442,000 | 971,000 | 1,489,000 |
| Interest expense | 219,000 | 195,000 | 442,000 | 683,000 |
| Net interest income | 258,000 | 247,000 | 529,000 | 806,000 |
| Noninterest income | 30,000 | 28,000 | 63,000 | 98,000 |
| Noninterest expense | 213,000 | 229,000 | 478,000 | 740,000 |
| Provision for loan losses | 190,000 | 0 | 0 | 0 |
| Pretax income | -115,000 | 46,000 | 114,000 | 164,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -115,000 | 46,000 | 114,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,994,000 | 2,099,000 | 2,150,000 | 2,137,000 |
| Total capital | 2,211,000 | 2,316,000 | 2,353,000 | 2,256,000 |
| Risk-weighted assets | 21,428,000 | 21,782,000 | 22,113,000 | 22,436,000 |