Call reports 2005
MILLS COUNTY BANK, NATIONAL ASSOCIATION — 2005
What MILLS COUNTY BANK, NATIONAL ASSOCIATION 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 | 35,044,000 | 35,998,000 | 35,549,000 | 34,692,000 |
| Total loans | 17,967,000 | 18,809,000 | 18,669,000 | 18,592,000 |
| Allowance for loan losses | 327,000 | 317,000 | 317,000 | 319,000 |
| Securities available for sale | 8,883,000 | 9,715,000 | 9,938,000 | 10,173,000 |
| Securities held to maturity | 1,765,000 | 1,542,000 | 1,522,000 | 1,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,184,000 | 32,040,000 | 31,610,000 | 30,707,000 |
| Interest-bearing deposits | 25,477,000 | 26,359,000 | 24,632,000 | 24,892,000 |
| Noninterest-bearing deposits | 5,707,000 | 5,681,000 | 6,977,000 | 5,815,000 |
| Equity capital | 2,766,000 | 2,866,000 | 2,837,000 | 2,910,000 |
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 | 434,000 | 895,000 | 1,368,000 | 1,857,000 |
| Interest expense | 88,000 | 181,000 | 280,000 | 383,000 |
| Net interest income | 346,000 | 714,000 | 1,088,000 | 1,474,000 |
| Noninterest income | 136,000 | 281,000 | 428,000 | 573,000 |
| Noninterest expense | 445,000 | 875,000 | 1,300,000 | 1,714,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 120,000 | 216,000 | 333,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 19,000 |
| Net income | 33,000 | 111,000 | 203,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,938,000 | 2,939,000 | 2,992,000 | 3,104,000 |
| Total capital | 3,181,000 | 3,193,000 | 3,241,000 | 3,356,000 |
| Risk-weighted assets | 19,364,000 | 20,272,000 | 19,835,000 | 20,088,000 |