Call reports 2023
M C BANK & TRUST COMPANY — 2023
What M C BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 401,479,000 | 414,970,000 | 401,808,000 | 442,448,000 |
| Total loans | 300,689,000 | 313,056,000 | 310,280,000 | 325,601,000 |
| Allowance for loan losses | 4,316,000 | 4,607,000 | 4,898,000 | 5,136,000 |
| Securities available for sale | 61,579,000 | 54,613,000 | 45,999,000 | 40,920,000 |
| Securities held to maturity | 1,099,000 | 1,049,000 | 1,049,000 | 1,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,115,000 | 284,261,000 | 284,828,000 | 308,462,000 |
| Interest-bearing deposits | 208,170,000 | 200,963,000 | 202,567,000 | 223,355,000 |
| Noninterest-bearing deposits | 80,945,000 | 83,298,000 | 82,261,000 | 85,107,000 |
| Equity capital | 71,532,000 | 71,577,000 | 70,525,000 | 73,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,522,000 | 9,635,000 | 14,891,000 | 20,686,000 |
| Interest expense | 814,000 | 2,141,000 | 3,578,000 | 5,269,000 |
| Net interest income | 3,708,000 | 7,494,000 | 11,313,000 | 15,417,000 |
| Noninterest income | 372,000 | 802,000 | 1,164,000 | 1,605,000 |
| Noninterest expense | 3,027,000 | 6,127,000 | 9,316,000 | 12,767,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,136,000 |
| Pretax income | 403,000 | 1,219,000 | 1,911,000 | 2,278,000 |
| Income tax | 111,000 | 289,000 | 434,000 | 129,000 |
| Net income | 292,000 | 930,000 | 1,477,000 | 2,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,319,000 | 76,774,000 | 77,049,000 | 77,673,000 |