Call reports 2014
MCS BANK — 2014
What MCS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 128,847,000 | 130,814,000 | 130,804,000 | 130,952,000 |
| Total loans | 93,459,000 | 93,661,000 | 96,226,000 | 97,954,000 |
| Allowance for loan losses | 1,221,000 | 1,040,000 | 1,050,000 | 1,187,000 |
| Securities available for sale | 20,811,000 | 23,569,000 | 20,538,000 | 20,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,775,000 | 112,366,000 | 112,025,000 | 112,227,000 |
| Interest-bearing deposits | 103,956,000 | 105,591,000 | 104,591,000 | 104,083,000 |
| Noninterest-bearing deposits | 6,819,000 | 6,775,000 | 7,434,000 | 8,144,000 |
| Equity capital | 16,574,000 | 16,886,000 | 17,106,000 | 17,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,246,000 | 2,565,000 | 3,846,000 | 5,145,000 |
| Interest expense | 309,000 | 620,000 | 923,000 | 1,213,000 |
| Net interest income | 937,000 | 1,945,000 | 2,923,000 | 3,932,000 |
| Noninterest income | 106,000 | 179,000 | 294,000 | 411,000 |
| Noninterest expense | 812,000 | 1,560,000 | 2,356,000 | 3,197,000 |
| Provision for loan losses | 40,000 | 80,000 | 120,000 | 362,000 |
| Pretax income | 240,000 | 534,000 | 828,000 | 926,000 |
| Income tax | 62,000 | 168,000 | 274,000 | 204,000 |
| Net income | 178,000 | 366,000 | 554,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,574,000 | 16,768,000 | 16,951,000 | 17,120,000 |
| Total capital | 17,795,000 | 17,808,000 | 18,001,000 | 18,307,000 |
| Risk-weighted assets | 107,099,000 | 107,887,000 | 109,097,000 | 111,041,000 |
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