Call reports 2020
M C BANK & TRUST COMPANY — 2020
What M C BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 303,998,000 | 333,181,000 | 334,321,000 | 335,176,000 |
| Total loans | 207,950,000 | 236,800,000 | 239,906,000 | 230,253,000 |
| Allowance for loan losses | 4,057,000 | 4,299,000 | 4,807,000 | 4,141,000 |
| Securities available for sale | 60,631,000 | 58,587,000 | 66,611,000 | 62,671,000 |
| Securities held to maturity | 6,512,000 | 5,714,000 | 5,455,000 | 4,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,461,000 | 255,195,000 | 255,870,000 | 257,309,000 |
| Interest-bearing deposits | 173,353,000 | 183,778,000 | 183,246,000 | 188,298,000 |
| Noninterest-bearing deposits | 55,108,000 | 71,417,000 | 72,624,000 | 69,011,000 |
| Equity capital | 73,826,000 | 74,930,000 | 75,499,000 | 75,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,340,000 | 6,764,000 | 10,941,000 | 14,364,000 |
| Interest expense | 307,000 | 596,000 | 896,000 | 1,183,000 |
| Net interest income | 3,033,000 | 6,168,000 | 10,045,000 | 13,181,000 |
| Noninterest income | 177,000 | 303,000 | 425,000 | 625,000 |
| Noninterest expense | 2,275,000 | 4,415,000 | 6,664,000 | 9,312,000 |
| Provision for loan losses | 150,000 | 400,000 | 950,000 | 1,350,000 |
| Pretax income | 785,000 | 1,656,000 | 2,856,000 | 3,144,000 |
| Income tax | 150,000 | 308,000 | 683,000 | 585,000 |
| Net income | 635,000 | 1,348,000 | 2,173,000 | 2,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,786,000 | 72,132,000 | 72,714,000 | 72,932,000 |