Call reports 2009
M C BANK & TRUST COMPANY — 2009
What M C BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 271,182,000 | 269,405,000 | 274,356,000 | 280,698,000 |
| Total loans | 105,980,000 | 106,763,000 | 107,474,000 | 116,027,000 |
| Allowance for loan losses | 976,000 | 1,120,000 | 1,134,000 | 1,139,000 |
| Securities available for sale | 118,491,000 | 113,392,000 | 117,285,000 | 119,324,000 |
| Securities held to maturity | 12,119,000 | 16,972,000 | 21,077,000 | 22,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,161,000 | 225,884,000 | 228,950,000 | 236,290,000 |
| Interest-bearing deposits | 159,159,000 | 158,228,000 | 159,634,000 | 161,912,000 |
| Noninterest-bearing deposits | 69,002,000 | 67,656,000 | 69,316,000 | 74,378,000 |
| Equity capital | 39,709,000 | 40,348,000 | 42,034,000 | 42,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,325,000 | 6,634,000 | 9,937,000 | 13,278,000 |
| Interest expense | 640,000 | 1,191,000 | 1,701,000 | 2,150,000 |
| Net interest income | 2,685,000 | 5,443,000 | 8,236,000 | 11,128,000 |
| Noninterest income | 266,000 | 532,000 | 809,000 | 1,084,000 |
| Noninterest expense | 1,528,000 | 3,218,000 | 4,977,000 | 6,518,000 |
| Provision for loan losses | 150,000 | 300,000 | 460,000 | 1,333,000 |
| Pretax income | 1,273,000 | 2,457,000 | 3,608,000 | 4,361,000 |
| Income tax | 367,000 | 697,000 | 1,005,000 | 835,000 |
| Net income | 906,000 | 1,760,000 | 2,603,000 | 3,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,154,000 | 37,909,000 | 38,704,000 | 39,536,000 |
| Total capital | 38,130,000 | 39,029,000 | 39,838,000 | 40,675,000 |
| Risk-weighted assets | 127,882,000 | 138,541,000 | 152,558,000 | 146,834,000 |
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