Call reports 2014
M C BANK & TRUST COMPANY — 2014
What M C BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 342,664,000 | 336,744,000 | 343,059,000 | 346,459,000 |
| Total loans | 121,076,000 | 122,126,000 | 122,128,000 | 122,300,000 |
| Allowance for loan losses | 3,545,000 | 2,627,000 | 2,601,000 | 2,561,000 |
| Securities available for sale | 146,585,000 | 146,109,000 | 150,991,000 | 147,565,000 |
| Securities held to maturity | 34,319,000 | 34,293,000 | 33,057,000 | 33,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,689,000 | 278,496,000 | 283,700,000 | 285,956,000 |
| Interest-bearing deposits | 213,620,000 | 211,143,000 | 211,252,000 | 216,818,000 |
| Noninterest-bearing deposits | 73,069,000 | 67,353,000 | 72,448,000 | 69,138,000 |
| Equity capital | 54,546,000 | 56,507,000 | 57,517,000 | 59,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,051,000 | 6,121,000 | 9,246,000 | 12,040,000 |
| Interest expense | 227,000 | 457,000 | 691,000 | 913,000 |
| Net interest income | 2,824,000 | 5,664,000 | 8,555,000 | 11,127,000 |
| Noninterest income | 171,000 | 407,000 | 632,000 | 1,117,000 |
| Noninterest expense | 1,710,000 | 3,426,000 | 5,170,000 | 7,119,000 |
| Provision for loan losses | 150,000 | 172,000 | 238,000 | 136,000 |
| Pretax income | 1,135,000 | 2,473,000 | 3,779,000 | 4,989,000 |
| Income tax | 270,000 | 627,000 | 790,000 | 1,010,000 |
| Net income | 865,000 | 1,846,000 | 2,989,000 | 3,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,431,000 | 55,324,000 | 56,360,000 | 57,240,000 |
| Total capital | 56,666,000 | 57,419,000 | 58,397,000 | 59,289,000 |
| Risk-weighted assets | 177,525,000 | 167,053,000 | 162,411,000 | 163,441,000 |
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