Call reports 2016
MACATAWA BANK, NATIONAL ASSOCIATION — 2016
What MACATAWA BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,638,270,000 | 1,664,636,000 | 1,651,852,000 | 1,739,408,000 |
| Total loans | 1,218,443,000 | 1,212,982,000 | 1,238,408,000 | 1,282,993,000 |
| Allowance for loan losses | 17,129,000 | 16,959,000 | 16,847,000 | 16,962,000 |
| Securities available for sale | 168,041,000 | 173,580,000 | 184,403,000 | 184,433,000 |
| Securities held to maturity | 51,303,000 | 49,373,000 | 58,893,000 | 69,378,000 |
| Trading assets | 1,220,000 | 1,360,000 | 1,165,000 | 494,000 |
| Total deposits | 1,345,600,000 | 1,360,167,000 | 1,363,988,000 | 1,454,267,000 |
| Interest-bearing deposits | 916,477,000 | 903,434,000 | 903,463,000 | 947,246,000 |
| Noninterest-bearing deposits | 429,123,000 | 456,733,000 | 460,525,000 | 507,021,000 |
| Equity capital | 189,853,000 | 192,954,000 | 196,473,000 | 196,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 13,008,000 | 25,881,000 | 39,003,000 | 52,499,000 |
| Interest expense | 905,000 | 1,802,000 | 2,652,000 | 3,456,000 |
| Net interest income | 12,103,000 | 24,079,000 | 36,351,000 | 49,043,000 |
| Noninterest income | 4,476,000 | 8,736,000 | 13,688,000 | 18,601,000 |
| Noninterest expense | 11,337,000 | 22,361,000 | 33,392,000 | 44,799,000 |
| Provision for loan losses | -100,000 | -850,000 | -1,100,000 | -1,350,000 |
| Pretax income | 5,431,000 | 11,403,000 | 17,846,000 | 24,319,000 |
| Income tax | 1,588,000 | 3,459,000 | 4,985,000 | 6,984,000 |
| Net income | 3,843,000 | 7,944,000 | 12,861,000 | 17,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 188,872,000 | 191,596,000 | 195,037,000 | 197,972,000 |
| Total capital | 206,008,000 | 208,566,000 | 211,892,000 | 214,934,000 |
| Risk-weighted assets | 1,407,406,000 | 1,409,595,000 | 1,422,275,000 | 1,483,051,000 |
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