Call reports 2019
MCS BANK — 2019
What MCS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 145,250,000 | 144,375,000 | 147,058,000 | 147,045,000 |
| Total loans | 117,070,000 | 120,679,000 | 123,395,000 | 125,464,000 |
| Allowance for loan losses | 904,000 | 959,000 | 1,031,000 | 589,000 |
| Securities available for sale | 12,650,000 | 11,867,000 | 9,458,000 | 7,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,192,000 | 119,526,000 | 122,271,000 | 122,504,000 |
| Interest-bearing deposits | 106,349,000 | 106,198,000 | 110,191,000 | 110,457,000 |
| Noninterest-bearing deposits | 14,843,000 | 13,328,000 | 12,080,000 | 12,047,000 |
| Equity capital | 19,235,000 | 19,499,000 | 19,657,000 | 19,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 3,049,000 | 4,622,000 | 6,136,000 |
| Interest expense | 369,000 | 757,000 | 1,164,000 | 1,573,000 |
| Net interest income | 1,138,000 | 2,292,000 | 3,458,000 | 4,563,000 |
| Noninterest income | 148,000 | 297,000 | 495,000 | 663,000 |
| Noninterest expense | 1,042,000 | 2,104,000 | 3,173,000 | 4,267,000 |
| Provision for loan losses | 55,000 | 113,000 | 195,000 | 486,000 |
| Pretax income | 184,000 | 394,000 | 644,000 | 540,000 |
| Income tax | 42,000 | 73,000 | 136,000 | 126,000 |
| Net income | 142,000 | 321,000 | 508,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,339,000 | 19,501,000 | 19,703,000 | 19,621,000 |
| Total capital | 20,243,000 | 20,460,000 | 20,734,000 | 20,210,000 |
| Risk-weighted assets | 104,533,000 | 105,816,000 | 108,994,000 | 111,007,000 |
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