Call reports 2005
MCBANK — 2005
What MCBANK 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 | 137,835,000 | 139,595,000 | 139,598,000 | 145,148,000 |
| Total loans | 79,413,000 | 78,718,000 | 78,355,000 | 80,238,000 |
| Allowance for loan losses | 837,000 | 824,000 | 821,000 | 855,000 |
| Securities available for sale | 40,367,000 | 41,950,000 | 43,925,000 | 43,713,000 |
| Securities held to maturity | 1,548,000 | 1,509,000 | 1,413,000 | 1,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,727,000 | 124,520,000 | 124,361,000 | 129,837,000 |
| Interest-bearing deposits | 99,477,000 | 100,329,000 | 99,745,000 | 102,717,000 |
| Noninterest-bearing deposits | 23,250,000 | 24,191,000 | 24,616,000 | 27,120,000 |
| Equity capital | 14,594,000 | 14,445,000 | 14,497,000 | 14,771,000 |
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 | 1,720,000 | 3,488,000 | 5,319,000 | 7,259,000 |
| Interest expense | 440,000 | 935,000 | 1,481,000 | 2,076,000 |
| Net interest income | 1,280,000 | 2,553,000 | 3,838,000 | 5,183,000 |
| Noninterest income | 336,000 | 661,000 | 1,020,000 | 1,350,000 |
| Noninterest expense | 1,084,000 | 2,193,000 | 3,358,000 | 4,563,000 |
| Provision for loan losses | 31,000 | 56,000 | 123,000 | 219,000 |
| Pretax income | 501,000 | 965,000 | 1,377,000 | 1,751,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 501,000 | 965,000 | 1,377,000 | 1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,753,000 | 14,644,000 | 14,747,000 | 15,121,000 |
| Total capital | 15,590,000 | 15,468,000 | 15,568,000 | 15,976,000 |
| Risk-weighted assets | 79,246,000 | 79,456,000 | 79,430,000 | 73,939,000 |