Call reports 2007
MCBANK — 2007
What MCBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 160,477,000 | 159,436,000 | 160,351,000 | 162,571,000 |
| Total loans | 86,323,000 | 86,579,000 | 89,180,000 | 92,466,000 |
| Allowance for loan losses | 860,000 | 876,000 | 930,000 | 927,000 |
| Securities available for sale | 55,795,000 | 57,566,000 | 54,905,000 | 55,368,000 |
| Securities held to maturity | 1,081,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,806,000 | 141,926,000 | 141,548,000 | 142,895,000 |
| Interest-bearing deposits | 112,145,000 | 110,932,000 | 112,740,000 | 111,111,000 |
| Noninterest-bearing deposits | 30,661,000 | 30,994,000 | 28,808,000 | 31,784,000 |
| Equity capital | 16,928,000 | 16,563,000 | 17,696,000 | 18,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,210,000 | 7,910,000 | 10,592,000 |
| Interest expense | 857,000 | 1,744,000 | 2,662,000 | 3,559,000 |
| Net interest income | 1,723,000 | 3,466,000 | 5,248,000 | 7,033,000 |
| Noninterest income | 357,000 | 713,000 | 1,095,000 | 1,487,000 |
| Noninterest expense | 1,218,000 | 2,460,000 | 3,703,000 | 5,067,000 |
| Provision for loan losses | 18,000 | 18,000 | 120,000 | 198,000 |
| Pretax income | 844,000 | 1,694,000 | 2,513,000 | 3,248,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 844,000 | 1,694,000 | 2,513,000 | 3,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,917,000 | 17,000,000 | 17,394,000 | 17,412,000 |
| Total capital | 17,777,000 | 17,876,000 | 18,324,000 | 18,339,000 |
| Risk-weighted assets | 89,509,000 | 89,704,000 | 91,747,000 | 94,320,000 |