Call reports 2003
MCBANK — 2003
What MCBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 140,099,000 | 139,204,000 | 139,923,000 | 144,420,000 |
| Total loans | 81,711,000 | 82,197,000 | 82,432,000 | 83,396,000 |
| Allowance for loan losses | 837,000 | 796,000 | 821,000 | 843,000 |
| Securities available for sale | 35,850,000 | 33,975,000 | 35,508,000 | 30,044,000 |
| Securities held to maturity | 2,506,000 | 2,415,000 | 1,986,000 | 1,968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,482,000 | 124,333,000 | 124,993,000 | 129,322,000 |
| Interest-bearing deposits | 104,608,000 | 102,314,000 | 104,196,000 | 107,411,000 |
| Noninterest-bearing deposits | 20,874,000 | 22,019,000 | 20,797,000 | 21,911,000 |
| Equity capital | 14,239,000 | 14,220,000 | 14,190,000 | 14,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,781,000 | 3,527,000 | 5,246,000 | 6,928,000 |
| Interest expense | 547,000 | 1,059,000 | 1,534,000 | 1,972,000 |
| Net interest income | 1,234,000 | 2,468,000 | 3,712,000 | 4,956,000 |
| Noninterest income | 277,000 | 576,000 | 911,000 | 1,247,000 |
| Noninterest expense | 1,054,000 | 2,135,000 | 3,269,000 | 4,362,000 |
| Provision for loan losses | 48,000 | 60,000 | 96,000 | 127,000 |
| Pretax income | 409,000 | 849,000 | 1,258,000 | 1,714,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 409,000 | 849,000 | 1,258,000 | 1,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,288,000 | 13,317,000 | 13,576,000 | 14,032,000 |
| Total capital | 14,125,000 | 14,113,000 | 14,397,000 | 14,875,000 |
| Risk-weighted assets | 81,849,000 | 80,539,000 | 82,755,000 | 81,670,000 |