Call reports 2016
M C BANK & TRUST COMPANY — 2016
What M C BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 344,123,000 | 341,815,000 | 332,438,000 | 326,101,000 |
| Total loans | 151,293,000 | 162,431,000 | 157,265,000 | 161,229,000 |
| Allowance for loan losses | 2,570,000 | 2,704,000 | 2,880,000 | 2,826,000 |
| Securities available for sale | 120,695,000 | 117,907,000 | 110,854,000 | 105,138,000 |
| Securities held to maturity | 29,537,000 | 29,517,000 | 29,097,000 | 28,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,177,000 | 275,251,000 | 265,186,000 | 261,116,000 |
| Interest-bearing deposits | 207,617,000 | 199,760,000 | 191,884,000 | 192,100,000 |
| Noninterest-bearing deposits | 71,560,000 | 75,491,000 | 73,302,000 | 69,016,000 |
| Equity capital | 63,589,000 | 64,793,000 | 65,402,000 | 63,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,168,000 | 6,354,000 | 9,499,000 | 12,574,000 |
| Interest expense | 263,000 | 521,000 | 769,000 | 994,000 |
| Net interest income | 2,905,000 | 5,833,000 | 8,730,000 | 11,580,000 |
| Noninterest income | 185,000 | 387,000 | 583,000 | 822,000 |
| Noninterest expense | 1,890,000 | 3,917,000 | 5,922,000 | 8,196,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 1,050,000 | 2,003,000 | 2,941,000 | 3,656,000 |
| Income tax | 260,000 | 470,000 | 620,000 | 640,000 |
| Net income | 790,000 | 1,533,000 | 2,321,000 | 3,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,134,000 | 61,788,000 | 62,487,000 | 63,064,000 |
| Total capital | 63,496,000 | 64,252,000 | 64,914,000 | 65,555,000 |
| Risk-weighted assets | 188,798,000 | 196,959,000 | 193,780,000 | 199,009,000 |