Call reports 2015
MACATAWA BANK, NATIONAL ASSOCIATION — 2015
What MACATAWA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,608,495,000 | 1,616,285,000 | 1,657,648,000 | 1,727,803,000 |
| Total loans | 1,137,679,000 | 1,135,138,000 | 1,195,773,000 | 1,200,708,000 |
| Allowance for loan losses | 18,680,000 | 18,181,000 | 18,217,000 | 17,081,000 |
| Securities available for sale | 155,640,000 | 158,866,000 | 161,515,000 | 166,815,000 |
| Securities held to maturity | 43,042,000 | 43,229,000 | 40,434,000 | 51,856,000 |
| Trading assets | 224,000 | 184,000 | 592,000 | 790,000 |
| Total deposits | 1,325,476,000 | 1,332,868,000 | 1,371,972,000 | 1,440,330,000 |
| Interest-bearing deposits | 947,301,000 | 937,985,000 | 924,533,000 | 958,480,000 |
| Noninterest-bearing deposits | 378,175,000 | 394,883,000 | 447,439,000 | 481,850,000 |
| Equity capital | 180,172,000 | 181,471,000 | 184,329,000 | 186,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 12,011,000 | 24,249,000 | 36,676,000 | 49,386,000 |
| Interest expense | 1,034,000 | 2,096,000 | 3,066,000 | 3,975,000 |
| Net interest income | 10,977,000 | 22,153,000 | 33,610,000 | 45,411,000 |
| Noninterest income | 3,754,000 | 8,291,000 | 12,892,000 | 15,987,000 |
| Noninterest expense | 11,230,000 | 22,321,000 | 33,631,000 | 44,710,000 |
| Provision for loan losses | -1,000,000 | -1,500,000 | -1,750,000 | -3,500,000 |
| Pretax income | 4,584,000 | 9,706,000 | 14,740,000 | 20,317,000 |
| Income tax | 1,420,000 | 3,010,000 | 4,562,000 | 6,290,000 |
| Net income | 3,164,000 | 6,696,000 | 10,178,000 | 14,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,932,000 | 181,020,000 | 183,701,000 | 186,390,000 |
| Total capital | 195,761,000 | 197,874,000 | 201,400,000 | 203,471,000 |
| Risk-weighted assets | 1,343,927,000 | 1,346,996,000 | 1,414,975,000 | 1,410,280,000 |