Call reports 2009
MACATAWA BANK, NATIONAL ASSOCIATION — 2009
What MACATAWA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,089,751,000 | 2,009,525,000 | 1,978,811,000 | 1,826,955,000 |
| Total loans | 1,701,948,000 | 1,622,706,000 | 1,559,837,000 | 1,511,465,000 |
| Allowance for loan losses | 39,096,000 | 37,621,000 | 48,049,000 | 54,623,000 |
| Securities available for sale | 174,623,000 | 159,194,000 | 141,825,000 | 129,090,000 |
| Securities held to maturity | 1,756,000 | 655,000 | 655,000 | 414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,634,227,000 | 1,579,980,000 | 1,548,303,000 | 1,417,480,000 |
| Interest-bearing deposits | 1,433,946,000 | 1,356,824,000 | 1,324,344,000 | 1,194,867,000 |
| Noninterest-bearing deposits | 200,281,000 | 223,156,000 | 223,959,000 | 222,613,000 |
| Equity capital | 175,454,000 | 154,443,000 | 136,769,000 | 126,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 25,124,000 | 49,655,000 | 73,189,000 | 95,878,000 |
| Interest expense | 11,882,000 | 22,591,000 | 32,534,000 | 41,433,000 |
| Net interest income | 13,242,000 | 27,064,000 | 40,655,000 | 54,445,000 |
| Noninterest income | 4,298,000 | 7,683,000 | 10,745,000 | 12,272,000 |
| Noninterest expense | 13,212,000 | 33,450,000 | 48,414,000 | 62,129,000 |
| Provision for loan losses | 10,530,000 | 31,160,000 | 52,740,000 | 74,340,000 |
| Pretax income | -6,202,000 | -29,863,000 | -49,754,000 | -69,752,000 |
| Income tax | -2,508,000 | 3,301,000 | 2,692,000 | -7,812,000 |
| Net income | -3,694,000 | -33,164,000 | -52,446,000 | -61,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 168,973,000 | 152,553,000 | 133,449,000 | 123,972,000 |
| Total capital | 191,618,000 | 174,179,000 | 154,519,000 | 144,301,000 |
| Risk-weighted assets | 1,795,106,000 | 1,714,117,000 | 1,657,779,000 | 1,591,960,000 |
Machine access — free, no API key
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