Call reports 2004
MCBANK — 2004
What MCBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 137,384,000 | 135,528,000 | 135,574,000 | 136,188,000 |
| Total loans | 81,759,000 | 80,620,000 | 81,880,000 | 81,364,000 |
| Allowance for loan losses | 863,000 | 843,000 | 841,000 | 799,000 |
| Securities available for sale | 27,429,000 | 39,817,000 | 39,219,000 | 40,750,000 |
| Securities held to maturity | 1,848,000 | 1,790,000 | 1,688,000 | 1,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,222,000 | 120,925,000 | 120,250,000 | 120,904,000 |
| Interest-bearing deposits | 101,524,000 | 99,447,000 | 97,778,000 | 98,023,000 |
| Noninterest-bearing deposits | 20,698,000 | 21,478,000 | 22,472,000 | 22,881,000 |
| Equity capital | 14,677,000 | 14,058,000 | 14,660,000 | 14,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,624,000 | 3,241,000 | 4,924,000 | 6,616,000 |
| Interest expense | 393,000 | 774,000 | 1,154,000 | 1,550,000 |
| Net interest income | 1,231,000 | 2,467,000 | 3,770,000 | 5,066,000 |
| Noninterest income | 375,000 | 719,000 | 1,069,000 | 1,372,000 |
| Noninterest expense | 1,053,000 | 2,090,000 | 3,181,000 | 4,301,000 |
| Provision for loan losses | 51,000 | 89,000 | 121,000 | 156,000 |
| Pretax income | 502,000 | 1,007,000 | 1,537,000 | 1,981,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 502,000 | 1,007,000 | 1,537,000 | 1,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,095,000 | 14,106,000 | 14,371,000 | 14,535,000 |
| Total capital | 14,958,000 | 14,949,000 | 15,212,000 | 15,334,000 |
| Risk-weighted assets | 80,301,000 | 79,620,000 | 80,487,000 | 80,841,000 |