Call reports 2008
MBANK — 2008
What MBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 305,317,000 | 302,831,000 | 302,880,000 | 300,410,000 |
| Total loans | 250,908,000 | 260,794,000 | 255,549,000 | 243,235,000 |
| Allowance for loan losses | 2,765,000 | 4,554,000 | 4,745,000 | 4,485,000 |
| Securities available for sale | 22,206,000 | 20,064,000 | 21,550,000 | 27,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,681,000 | 229,435,000 | 233,417,000 | 236,888,000 |
| Interest-bearing deposits | 201,129,000 | 194,177,000 | 200,673,000 | 207,442,000 |
| Noninterest-bearing deposits | 33,552,000 | 35,258,000 | 32,744,000 | 29,446,000 |
| Equity capital | 29,050,000 | 27,960,000 | 28,157,000 | 25,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,335,000 | 10,172,000 | 15,142,000 | 19,589,000 |
| Interest expense | 2,286,000 | 4,243,000 | 6,213,000 | 8,217,000 |
| Net interest income | 3,049,000 | 5,929,000 | 8,929,000 | 11,372,000 |
| Noninterest income | 234,000 | 456,000 | 700,000 | 884,000 |
| Noninterest expense | 2,641,000 | 5,254,000 | 7,652,000 | 9,892,000 |
| Provision for loan losses | 74,000 | 1,957,000 | 2,292,000 | 7,312,000 |
| Pretax income | 568,000 | -826,000 | -335,000 | -4,968,000 |
| Income tax | 182,000 | -493,000 | -321,000 | -2,201,000 |
| Net income | 386,000 | -333,000 | -14,000 | -2,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,686,000 | 27,916,000 | 28,135,000 | 24,716,000 |
| Total capital | 31,530,000 | 31,589,000 | 31,724,000 | 28,076,000 |
| Risk-weighted assets | 281,826,000 | 292,855,000 | 285,891,000 | 273,540,000 |