Call reports 2006
MCBANK — 2006
What MCBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 152,313,000 | 152,246,000 | 155,483,000 | 159,700,000 |
| Total loans | 80,635,000 | 82,413,000 | 83,173,000 | 84,556,000 |
| Allowance for loan losses | 850,000 | 821,000 | 860,000 | 847,000 |
| Securities available for sale | 47,793,000 | 50,369,000 | 52,773,000 | 54,931,000 |
| Securities held to maturity | 1,295,000 | 1,270,000 | 1,189,000 | 1,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,573,000 | 136,882,000 | 139,071,000 | 142,400,000 |
| Interest-bearing deposits | 107,977,000 | 108,639,000 | 83,008,000 | 109,993,000 |
| Noninterest-bearing deposits | 28,596,000 | 28,243,000 | 56,063,000 | 32,407,000 |
| Equity capital | 15,135,000 | 14,658,000 | 15,557,000 | 16,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,293,000 | 6,700,000 | 9,290,000 |
| Interest expense | 641,000 | 1,364,000 | 2,139,000 | 2,963,000 |
| Net interest income | 1,411,000 | 2,929,000 | 4,561,000 | 6,327,000 |
| Noninterest income | 359,000 | 708,000 | 1,079,000 | 1,441,000 |
| Noninterest expense | 1,190,000 | 2,408,000 | 3,598,000 | 4,947,000 |
| Provision for loan losses | 42,000 | 108,000 | 184,000 | 204,000 |
| Pretax income | 538,000 | 1,121,000 | 1,858,000 | 2,617,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 538,000 | 1,121,000 | 1,858,000 | 2,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,449,000 | 15,476,000 | 15,830,000 | 16,073,000 |
| Total capital | 16,299,000 | 16,297,000 | 16,690,000 | 16,920,000 |
| Risk-weighted assets | 83,273,000 | 84,832,000 | 85,878,000 | 87,974,000 |