Call reports 2019
M C BANK & TRUST COMPANY — 2019
What M C BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 311,234,000 | 305,144,000 | 309,127,000 | 306,917,000 |
| Total loans | 202,378,000 | 209,728,000 | 215,159,000 | 210,397,000 |
| Allowance for loan losses | 3,514,000 | 3,537,000 | 3,681,000 | 3,912,000 |
| Securities available for sale | 63,058,000 | 61,192,000 | 57,736,000 | 54,052,000 |
| Securities held to maturity | 14,559,000 | 12,245,000 | 10,553,000 | 8,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,632,000 | 232,260,000 | 235,176,000 | 232,811,000 |
| Interest-bearing deposits | 184,499,000 | 174,825,000 | 171,032,000 | 174,038,000 |
| Noninterest-bearing deposits | 55,133,000 | 57,435,000 | 64,144,000 | 58,773,000 |
| Equity capital | 70,003,000 | 71,058,000 | 71,963,000 | 72,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,478,000 | 6,948,000 | 10,533,000 | 14,504,000 |
| Interest expense | 349,000 | 701,000 | 1,031,000 | 1,347,000 |
| Net interest income | 3,129,000 | 6,247,000 | 9,502,000 | 13,157,000 |
| Noninterest income | 161,000 | 355,000 | 507,000 | 704,000 |
| Noninterest expense | 2,060,000 | 4,234,000 | 6,421,000 | 8,644,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 1,136,000 |
| Pretax income | 1,020,000 | 1,948,000 | 2,958,000 | 4,081,000 |
| Income tax | 150,000 | 396,000 | 518,000 | 696,000 |
| Net income | 870,000 | 1,552,000 | 2,440,000 | 3,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,124,000 | 69,628,000 | 70,375,000 | 71,151,000 |
| Total capital | 71,991,000 | 72,620,000 | 73,390,000 | 74,083,000 |
| Risk-weighted assets | 228,717,000 | 238,861,000 | 240,564,000 | 233,656,000 |