Call reports 2010
MACATAWA BANK, NATIONAL ASSOCIATION — 2010
What MACATAWA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,715,055,000 | 1,646,805,000 | 1,609,298,000 | 1,576,134,000 |
| Total loans | 1,439,608,000 | 1,366,312,000 | 1,286,049,000 | 1,219,733,000 |
| Allowance for loan losses | 60,782,000 | 56,286,000 | 52,192,000 | 47,426,000 |
| Securities available for sale | 115,107,000 | 20,112,000 | 20,128,000 | 9,120,000 |
| Securities held to maturity | 333,000 | 83,000 | 83,000 | 83,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,371,639,000 | 1,313,228,000 | 1,281,381,000 | 1,277,199,000 |
| Interest-bearing deposits | 1,141,925,000 | 1,049,377,000 | 1,030,345,000 | 1,020,723,000 |
| Noninterest-bearing deposits | 229,714,000 | 263,851,000 | 251,036,000 | 256,476,000 |
| Equity capital | 106,410,000 | 106,266,000 | 107,523,000 | 109,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 20,938,000 | 40,475,000 | 58,919,000 | 76,003,000 |
| Interest expense | 7,542,000 | 13,876,000 | 19,477,000 | 23,874,000 |
| Net interest income | 13,396,000 | 26,599,000 | 39,442,000 | 52,129,000 |
| Noninterest income | -182,000 | 2,569,000 | 4,871,000 | 6,835,000 |
| Noninterest expense | 13,960,000 | 27,246,000 | 40,632,000 | 53,475,000 |
| Provision for loan losses | 19,710,000 | 21,510,000 | 22,060,000 | 22,460,000 |
| Pretax income | -20,456,000 | -16,873,000 | -15,664,000 | -14,256,000 |
| Income tax | 0 | 1,303,000 | 1,303,000 | 1,303,000 |
| Net income | -20,456,000 | -18,176,000 | -16,967,000 | -15,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,599,000 | 105,947,000 | 106,820,000 | 109,160,000 |
| Total capital | 123,043,000 | 124,290,000 | 124,089,000 | 125,797,000 |
| Risk-weighted assets | 1,513,702,000 | 1,427,959,000 | 1,344,797,000 | 1,299,626,000 |
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