Call reports 2009
MCVILLE STATE BANK — 2009
What MCVILLE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 33,509,000 | 33,887,000 | 33,256,000 | 34,036,000 |
| Total loans | 27,443,000 | 27,911,000 | 28,126,000 | 28,106,000 |
| Allowance for loan losses | 222,000 | 223,000 | 301,000 | 248,000 |
| Securities available for sale | 2,216,000 | 2,174,000 | 2,190,000 | 1,937,000 |
| Securities held to maturity | 756,000 | 854,000 | 820,000 | 763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,322,000 | 30,741,000 | 28,416,000 | 30,452,000 |
| Interest-bearing deposits | 27,577,000 | 27,068,000 | 25,514,000 | 26,167,000 |
| Noninterest-bearing deposits | 2,745,000 | 3,672,000 | 2,902,000 | 4,286,000 |
| Equity capital | 2,936,000 | 2,907,000 | 2,901,000 | 3,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 981,000 | 1,473,000 | 1,934,000 |
| Interest expense | 200,000 | 390,000 | 571,000 | 736,000 |
| Net interest income | 285,000 | 591,000 | 902,000 | 1,198,000 |
| Noninterest income | 38,000 | 59,000 | 92,000 | 169,000 |
| Noninterest expense | 253,000 | 528,000 | 764,000 | 1,046,000 |
| Provision for loan losses | 87,000 | 87,000 | 198,000 | 298,000 |
| Pretax income | -17,000 | 38,000 | 32,000 | 23,000 |
| Income tax | 1,000 | 0 | 0 | 0 |
| Net income | -18,000 | 38,000 | 32,000 | 23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,486,000 | 2,536,000 | 2,509,000 | 2,700,000 |
| Total capital | 2,708,000 | 2,759,000 | 2,810,000 | 2,948,000 |
| Risk-weighted assets | 26,535,000 | 26,402,000 | 25,652,000 | 25,904,000 |