Call reports 2008
M C BANK & TRUST COMPANY — 2008
What M C BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 255,256,000 | 244,830,000 | 256,406,000 | 260,310,000 |
| Total loans | 106,983,000 | 104,837,000 | 103,158,000 | 103,378,000 |
| Allowance for loan losses | 723,000 | 849,000 | 860,000 | 817,000 |
| Securities available for sale | 114,607,000 | 108,910,000 | 112,463,000 | 119,324,000 |
| Securities held to maturity | 4,801,000 | 4,801,000 | 4,801,000 | 6,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,456,000 | 206,034,000 | 216,669,000 | 215,423,000 |
| Interest-bearing deposits | 144,597,000 | 152,070,000 | 151,545,000 | 151,480,000 |
| Noninterest-bearing deposits | 66,859,000 | 53,964,000 | 65,124,000 | 63,943,000 |
| Equity capital | 36,389,000 | 35,951,000 | 36,872,000 | 38,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,508,000 | 6,919,000 | 10,338,000 | 13,686,000 |
| Interest expense | 877,000 | 1,690,000 | 2,448,000 | 3,141,000 |
| Net interest income | 2,631,000 | 5,229,000 | 7,890,000 | 10,545,000 |
| Noninterest income | 264,000 | 543,000 | 796,000 | 1,014,000 |
| Noninterest expense | 1,458,000 | 3,061,000 | 4,648,000 | 6,291,000 |
| Provision for loan losses | 80,000 | 210,000 | 360,000 | 382,000 |
| Pretax income | 1,357,000 | 2,501,000 | 3,678,000 | 4,886,000 |
| Income tax | 387,000 | 790,000 | 1,062,000 | 1,262,000 |
| Net income | 970,000 | 1,711,000 | 2,616,000 | 3,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,055,000 | 34,706,000 | 35,520,000 | 36,340,000 |
| Total capital | 34,778,000 | 35,555,000 | 36,380,000 | 37,157,000 |
| Risk-weighted assets | 130,350,000 | 127,107,000 | 120,481,000 | 126,318,000 |
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