Call reports 2017
MCS BANK — 2017
What MCS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 143,232,000 | 142,832,000 | 139,946,000 | 139,812,000 |
| Total loans | 103,476,000 | 105,130,000 | 107,472,000 | 107,864,000 |
| Allowance for loan losses | 900,000 | 891,000 | 799,000 | 789,000 |
| Securities available for sale | 25,524,000 | 24,325,000 | 21,731,000 | 20,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,327,000 | 121,596,000 | 118,485,000 | 118,420,000 |
| Interest-bearing deposits | 113,036,000 | 110,712,000 | 108,456,000 | 106,801,000 |
| Noninterest-bearing deposits | 9,291,000 | 10,884,000 | 10,029,000 | 11,619,000 |
| Equity capital | 18,105,000 | 18,491,000 | 18,609,000 | 18,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,226,000 | 2,547,000 | 3,883,000 | 5,177,000 |
| Interest expense | 298,000 | 600,000 | 903,000 | 1,204,000 |
| Net interest income | 928,000 | 1,947,000 | 2,980,000 | 3,973,000 |
| Noninterest income | 129,000 | 280,000 | 416,000 | 559,000 |
| Noninterest expense | 923,000 | 1,827,000 | 2,768,000 | 3,692,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 8,000 |
| Pretax income | 134,000 | 405,000 | 648,000 | 854,000 |
| Income tax | 23,000 | 108,000 | 183,000 | 220,000 |
| Net income | 111,000 | 297,000 | 465,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,245,000 | 18,314,000 | 18,551,000 | 18,646,000 |
| Total capital | 19,145,000 | 19,205,000 | 19,350,000 | 19,435,000 |
| Risk-weighted assets | 93,584,000 | 94,658,000 | 96,172,000 | 97,161,000 |