Call reports 2016
MCS BANK — 2016
What MCS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 140,437,000 | 142,221,000 | 142,821,000 | 140,825,000 |
| Total loans | 103,641,000 | 101,728,000 | 101,663,000 | 102,127,000 |
| Allowance for loan losses | 1,105,000 | 1,133,000 | 1,044,000 | 969,000 |
| Securities available for sale | 24,490,000 | 26,279,000 | 27,443,000 | 22,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,571,000 | 121,206,000 | 121,805,000 | 119,937,000 |
| Interest-bearing deposits | 111,015,000 | 112,523,000 | 112,349,000 | 110,182,000 |
| Noninterest-bearing deposits | 8,556,000 | 8,683,000 | 9,456,000 | 9,755,000 |
| Equity capital | 17,936,000 | 18,211,000 | 18,194,000 | 17,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,258,000 | 2,540,000 | 3,745,000 | 5,010,000 |
| Interest expense | 309,000 | 621,000 | 935,000 | 1,242,000 |
| Net interest income | 949,000 | 1,919,000 | 2,810,000 | 3,768,000 |
| Noninterest income | 124,000 | 237,000 | 372,000 | 475,000 |
| Noninterest expense | 902,000 | 1,835,000 | 2,754,000 | 3,598,000 |
| Provision for loan losses | 56,000 | 111,000 | 111,000 | 111,000 |
| Pretax income | 145,000 | 255,000 | 362,000 | 609,000 |
| Income tax | 25,000 | 36,000 | 47,000 | 189,000 |
| Net income | 120,000 | 219,000 | 315,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,786,000 | 17,885,000 | 17,917,000 | 18,086,000 |
| Total capital | 18,891,000 | 19,018,000 | 18,961,000 | 19,055,000 |
| Risk-weighted assets | 93,832,000 | 91,594,000 | 91,604,000 | 91,053,000 |