Call reports 2021
M C BANK & TRUST COMPANY — 2021
What M C BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 359,799,000 | 367,426,000 | 368,913,000 | 374,829,000 |
| Total loans | 241,729,000 | 228,029,000 | 226,092,000 | 233,704,000 |
| Allowance for loan losses | 3,485,000 | 3,814,000 | 3,984,000 | 3,896,000 |
| Securities available for sale | 57,115,000 | 73,477,000 | 79,064,000 | 74,444,000 |
| Securities held to maturity | 3,284,000 | 2,264,000 | 2,264,000 | 1,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,680,000 | 288,646,000 | 290,183,000 | 296,953,000 |
| Interest-bearing deposits | 196,938,000 | 207,028,000 | 208,406,000 | 212,324,000 |
| Noninterest-bearing deposits | 84,742,000 | 81,618,000 | 81,777,000 | 84,629,000 |
| Equity capital | 75,384,000 | 75,687,000 | 75,906,000 | 76,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,115,000 | 6,437,000 | 9,878,000 | 13,607,000 |
| Interest expense | 257,000 | 531,000 | 813,000 | 1,086,000 |
| Net interest income | 2,858,000 | 5,906,000 | 9,065,000 | 12,521,000 |
| Noninterest income | 108,000 | 242,000 | 378,000 | 578,000 |
| Noninterest expense | 2,354,000 | 4,835,000 | 7,387,000 | 10,210,000 |
| Provision for loan losses | 150,000 | 150,000 | 200,000 | 200,000 |
| Pretax income | 462,000 | 1,163,000 | 1,856,000 | 2,689,000 |
| Income tax | 30,000 | 288,000 | 411,000 | 467,000 |
| Net income | 432,000 | 875,000 | 1,445,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,197,000 | 73,435,000 | 73,794,000 | 74,365,000 |