Call reports 2008
MCVILLE STATE BANK — 2008
What MCVILLE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 29,985,000 | 32,492,000 | 34,022,000 | 34,553,000 |
| Total loans | 21,817,000 | 24,798,000 | 27,165,000 | 27,489,000 |
| Allowance for loan losses | 140,000 | 159,000 | 160,000 | 222,000 |
| Securities available for sale | 3,084,000 | 4,138,000 | 3,505,000 | 3,197,000 |
| Securities held to maturity | 857,000 | 779,000 | 766,000 | 764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,694,000 | 28,572,000 | 26,920,000 | 30,140,000 |
| Interest-bearing deposits | 23,774,000 | 25,261,000 | 23,752,000 | 26,005,000 |
| Noninterest-bearing deposits | 2,920,000 | 3,311,000 | 3,168,000 | 4,135,000 |
| Equity capital | 3,013,000 | 2,943,000 | 2,838,000 | 2,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,020,000 | 1,570,000 | 2,094,000 |
| Interest expense | 235,000 | 457,000 | 690,000 | 910,000 |
| Net interest income | 279,000 | 563,000 | 880,000 | 1,184,000 |
| Noninterest income | 45,000 | 89,000 | 125,000 | 175,000 |
| Noninterest expense | 273,000 | 562,000 | 845,000 | 1,096,000 |
| Provision for loan losses | 36,000 | 46,000 | 56,000 | 181,000 |
| Pretax income | 44,000 | 75,000 | 141,000 | 127,000 |
| Income tax | 0 | 0 | 0 | 10,000 |
| Net income | 44,000 | 75,000 | 141,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,495,000 | 2,510,000 | 2,560,000 | 2,490,000 |
| Total capital | 2,635,000 | 2,669,000 | 2,720,000 | 2,712,000 |
| Risk-weighted assets | 21,880,000 | 25,192,000 | 25,651,000 | 26,218,000 |