Call reports 2012
M C BANK & TRUST COMPANY — 2012
What M C BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 323,742,000 | 324,025,000 | 325,023,000 | 325,875,000 |
| Total loans | 125,867,000 | 129,213,000 | 130,124,000 | 127,277,000 |
| Allowance for loan losses | 3,997,000 | 4,309,000 | 4,624,000 | 4,472,000 |
| Securities available for sale | 126,221,000 | 120,297,000 | 124,507,000 | 122,853,000 |
| Securities held to maturity | 36,964,000 | 36,937,000 | 36,217,000 | 35,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,423,000 | 270,919,000 | 270,613,000 | 271,444,000 |
| Interest-bearing deposits | 201,998,000 | 202,174,000 | 202,808,000 | 203,791,000 |
| Noninterest-bearing deposits | 69,426,000 | 68,745,000 | 67,805,000 | 67,653,000 |
| Equity capital | 50,213,000 | 51,081,000 | 52,380,000 | 53,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,205,000 | 6,336,000 | 9,452,000 | 12,555,000 |
| Interest expense | 253,000 | 487,000 | 725,000 | 960,000 |
| Net interest income | 2,952,000 | 5,849,000 | 8,727,000 | 11,595,000 |
| Noninterest income | 199,000 | 450,000 | 665,000 | 882,000 |
| Noninterest expense | 1,682,000 | 3,430,000 | 5,139,000 | 6,534,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,169,000 | 2,269,000 | 3,353,000 | 4,743,000 |
| Income tax | 318,000 | 603,000 | 680,000 | 835,000 |
| Net income | 851,000 | 1,666,000 | 2,673,000 | 3,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,136,000 | 47,907,000 | 48,867,000 | 50,014,000 |
| Total capital | 49,173,000 | 49,983,000 | 51,001,000 | 52,090,000 |
| Risk-weighted assets | 161,001,000 | 164,094,000 | 168,250,000 | 163,712,000 |
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