Call reports 2013
MACATAWA BANK, NATIONAL ASSOCIATION — 2013
What MACATAWA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,503,014,000 | 1,472,208,000 | 1,557,919,000 | 1,513,964,000 |
| Total loans | 1,054,985,000 | 1,017,440,000 | 1,031,776,000 | 1,044,292,000 |
| Allowance for loan losses | 23,487,000 | 22,248,000 | 21,272,000 | 20,798,000 |
| Securities available for sale | 126,795,000 | 129,659,000 | 135,439,000 | 139,659,000 |
| Securities held to maturity | 5,380,000 | 5,380,000 | 18,995,000 | 19,248,000 |
| Trading assets | 0 | 0 | 0 | 94,000 |
| Total deposits | 1,240,971,000 | 1,208,934,000 | 1,292,603,000 | 1,251,644,000 |
| Interest-bearing deposits | 919,214,000 | 880,597,000 | 935,163,000 | 905,184,000 |
| Noninterest-bearing deposits | 321,757,000 | 328,337,000 | 357,440,000 | 346,460,000 |
| Equity capital | 166,879,000 | 167,600,000 | 170,193,000 | 167,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 12,433,000 | 24,740,000 | 36,659,000 | 48,620,000 |
| Interest expense | 1,536,000 | 2,962,000 | 4,359,000 | 5,774,000 |
| Net interest income | 10,897,000 | 21,778,000 | 32,300,000 | 42,846,000 |
| Noninterest income | 3,876,000 | 7,724,000 | 10,609,000 | 14,166,000 |
| Noninterest expense | 11,385,000 | 22,799,000 | 33,974,000 | 45,455,000 |
| Provision for loan losses | -750,000 | -1,750,000 | -3,250,000 | -4,250,000 |
| Pretax income | 4,158,000 | 8,533,000 | 12,265,000 | 15,927,000 |
| Income tax | 1,332,000 | 2,729,000 | 3,886,000 | 5,008,000 |
| Net income | 2,826,000 | 5,804,000 | 8,379,000 | 10,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,091,000 | 157,896,000 | 161,646,000 | 157,847,000 |
| Total capital | 168,273,000 | 171,579,000 | 175,541,000 | 171,833,000 |
| Risk-weighted assets | 1,123,607,000 | 1,086,049,000 | 1,104,204,000 | 1,112,103,000 |
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