Call reports 2018
MCS BANK — 2018
What MCS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 140,861,000 | 141,964,000 | 142,451,000 | 143,399,000 |
| Total loans | 107,633,000 | 109,369,000 | 112,687,000 | 114,909,000 |
| Allowance for loan losses | 739,000 | 891,000 | 912,000 | 900,000 |
| Securities available for sale | 18,634,000 | 18,684,000 | 16,678,000 | 15,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,614,000 | 118,716,000 | 119,293,000 | 119,961,000 |
| Interest-bearing deposits | 106,136,000 | 106,709,000 | 107,665,000 | 108,668,000 |
| Noninterest-bearing deposits | 13,478,000 | 12,007,000 | 11,628,000 | 11,293,000 |
| Equity capital | 18,600,000 | 18,589,000 | 18,681,000 | 19,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,343,000 | 2,751,000 | 4,217,000 | 5,685,000 |
| Interest expense | 298,000 | 612,000 | 956,000 | 1,319,000 |
| Net interest income | 1,045,000 | 2,139,000 | 3,261,000 | 4,366,000 |
| Noninterest income | 142,000 | 249,000 | 403,000 | 546,000 |
| Noninterest expense | 1,011,000 | 2,013,000 | 3,036,000 | 4,049,000 |
| Provision for loan losses | 56,000 | 252,000 | 279,000 | 292,000 |
| Pretax income | 130,000 | 133,000 | 359,000 | 581,000 |
| Income tax | 14,000 | -7,000 | 46,000 | 8,000 |
| Net income | 116,000 | 140,000 | 313,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,805,000 | 18,840,000 | 19,036,000 | 19,222,000 |
| Total capital | 19,544,000 | 19,731,000 | 19,948,000 | 20,122,000 |
| Risk-weighted assets | 96,197,000 | 97,942,000 | 101,604,000 | 103,025,000 |
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