Call reports 2013
MCS BANK — 2013
What MCS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 126,068,000 | 126,515,000 | 122,313,000 | 127,030,000 |
| Total loans | 86,112,000 | 88,872,000 | 88,700,000 | 93,157,000 |
| Allowance for loan losses | 1,063,000 | 1,104,000 | 1,144,000 | 1,185,000 |
| Securities available for sale | 27,417,000 | 24,662,000 | 22,214,000 | 22,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,431,000 | 107,965,000 | 105,219,000 | 107,048,000 |
| Interest-bearing deposits | 103,351,000 | 102,308,000 | 99,292,000 | 101,332,000 |
| Noninterest-bearing deposits | 5,080,000 | 5,657,000 | 5,927,000 | 5,716,000 |
| Equity capital | 15,943,000 | 15,909,000 | 16,012,000 | 16,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,267,000 | 2,539,000 | 3,783,000 | 5,043,000 |
| Interest expense | 412,000 | 771,000 | 1,095,000 | 1,408,000 |
| Net interest income | 855,000 | 1,768,000 | 2,688,000 | 3,635,000 |
| Noninterest income | 110,000 | 249,000 | 381,000 | 476,000 |
| Noninterest expense | 743,000 | 1,439,000 | 2,155,000 | 2,883,000 |
| Provision for loan losses | 40,000 | 80,000 | 120,000 | 160,000 |
| Pretax income | 220,000 | 553,000 | 860,000 | 1,129,000 |
| Income tax | 65,000 | 171,000 | 276,000 | 300,000 |
| Net income | 155,000 | 382,000 | 584,000 | 829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,723,000 | 15,947,000 | 16,143,000 | 16,387,000 |
| Total capital | 16,791,000 | 17,054,000 | 17,292,000 | 17,578,000 |
| Risk-weighted assets | 93,263,000 | 99,104,000 | 101,338,000 | 105,223,000 |
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