Call reports 2012
MCS BANK — 2012
What MCS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,270,000 | 128,723,000 | 128,255,000 | 128,781,000 |
| Total loans | 93,179,000 | 91,696,000 | 91,108,000 | 88,032,000 |
| Allowance for loan losses | 840,000 | 975,000 | 1,006,000 | 1,023,000 |
| Securities available for sale | 21,949,000 | 21,484,000 | 22,213,000 | 26,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,782,000 | 112,160,000 | 111,108,000 | 110,776,000 |
| Interest-bearing deposits | 107,709,000 | 107,543,000 | 106,476,000 | 106,069,000 |
| Noninterest-bearing deposits | 5,073,000 | 4,617,000 | 4,632,000 | 4,707,000 |
| Equity capital | 15,193,000 | 15,346,000 | 15,749,000 | 15,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,466,000 | 2,921,000 | 4,330,000 | 5,658,000 |
| Interest expense | 537,000 | 1,065,000 | 1,592,000 | 2,071,000 |
| Net interest income | 929,000 | 1,856,000 | 2,738,000 | 3,587,000 |
| Noninterest income | 117,000 | 256,000 | 431,000 | 577,000 |
| Noninterest expense | 666,000 | 1,339,000 | 2,042,000 | 2,724,000 |
| Provision for loan losses | 35,000 | 70,000 | 105,000 | 140,000 |
| Pretax income | 379,000 | 760,000 | 1,079,000 | 1,357,000 |
| Income tax | 124,000 | 253,000 | 368,000 | 394,000 |
| Net income | 255,000 | 507,000 | 711,000 | 963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,865,000 | 15,115,000 | 15,317,000 | 15,569,000 |
| Total capital | 15,710,000 | 16,095,000 | 16,329,000 | 16,597,000 |
| Risk-weighted assets | 89,549,000 | 91,146,000 | 93,536,000 | 92,990,000 |
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