Call reports 2015
M C BANK & TRUST COMPANY — 2015
What M C BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 357,821,000 | 355,627,000 | 347,996,000 | 342,024,000 |
| Total loans | 123,140,000 | 123,218,000 | 138,764,000 | 146,818,000 |
| Allowance for loan losses | 2,579,000 | 3,010,000 | 3,055,000 | 3,058,000 |
| Securities available for sale | 160,600,000 | 159,019,000 | 146,930,000 | 130,656,000 |
| Securities held to maturity | 31,805,000 | 31,783,000 | 31,761,000 | 30,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,531,000 | 293,705,000 | 284,142,000 | 278,502,000 |
| Interest-bearing deposits | 225,267,000 | 222,942,000 | 212,347,000 | 209,555,000 |
| Noninterest-bearing deposits | 70,264,000 | 70,763,000 | 71,795,000 | 68,947,000 |
| Equity capital | 60,489,000 | 60,147,000 | 61,794,000 | 62,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,980,000 | 5,998,000 | 9,144,000 | 12,285,000 |
| Interest expense | 240,000 | 496,000 | 755,000 | 1,022,000 |
| Net interest income | 2,740,000 | 5,502,000 | 8,389,000 | 11,263,000 |
| Noninterest income | 181,000 | 413,000 | 643,000 | 1,017,000 |
| Noninterest expense | 1,806,000 | 3,675,000 | 5,588,000 | 7,567,000 |
| Provision for loan losses | 66,000 | 132,000 | 226,000 | 376,000 |
| Pretax income | 1,049,000 | 2,108,000 | 3,218,000 | 4,337,000 |
| Income tax | 270,000 | 510,000 | 720,000 | 815,000 |
| Net income | 779,000 | 1,598,000 | 2,498,000 | 3,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,975,000 | 58,706,000 | 59,515,000 | 60,432,000 |
| Total capital | 60,117,000 | 60,809,000 | 61,799,000 | 62,748,000 |
| Risk-weighted assets | 170,999,000 | 167,363,000 | 181,999,000 | 184,578,000 |