Call reports 2024
M C BANK & TRUST COMPANY — 2024
What M C BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 453,574,000 | 441,344,000 | 448,516,000 | 431,003,000 |
| Total loans | 327,432,000 | 323,984,000 | 321,499,000 | 324,217,000 |
| Allowance for loan losses | 5,416,000 | 5,029,000 | 5,129,000 | 5,050,000 |
| Securities available for sale | 39,727,000 | 38,594,000 | 39,142,000 | 37,180,000 |
| Securities held to maturity | 1,050,000 | 1,000,000 | 740,000 | 740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,424,000 | 332,935,000 | 337,634,000 | 342,935,000 |
| Interest-bearing deposits | 243,086,000 | 244,868,000 | 252,357,000 | 260,870,000 |
| Noninterest-bearing deposits | 83,338,000 | 88,067,000 | 85,277,000 | 82,065,000 |
| Equity capital | 73,897,000 | 74,435,000 | 76,523,000 | 75,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,023,000 | 12,273,000 | 18,562,000 | 24,959,000 |
| Interest expense | 2,005,000 | 4,018,000 | 6,080,000 | 8,054,000 |
| Net interest income | 4,018,000 | 8,255,000 | 12,482,000 | 16,905,000 |
| Noninterest income | 377,000 | 815,000 | 1,228,000 | 1,657,000 |
| Noninterest expense | 3,113,000 | 6,687,000 | 10,096,000 | 14,512,000 |
| Provision for loan losses | 0 | 80,000 | 200,000 | 175,000 |
| Pretax income | 1,282,000 | 2,303,000 | 3,414,000 | 3,875,000 |
| Income tax | 256,000 | 470,000 | 690,000 | 808,000 |
| Net income | 1,026,000 | 1,833,000 | 2,724,000 | 3,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,524,000 | 79,089,000 | 79,819,000 | 79,986,000 |