Call reports 2008
MCBANK — 2008
What MCBANK 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 | 167,794,000 | 171,733,000 | 172,319,000 | 179,040,000 |
| Total loans | 91,647,000 | 96,342,000 | 99,701,000 | 98,686,000 |
| Allowance for loan losses | 880,000 | 854,000 | 826,000 | 768,000 |
| Securities available for sale | 54,010,000 | 61,178,000 | 59,783,000 | 58,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,808,000 | 151,925,000 | 148,867,000 | 154,701,000 |
| Interest-bearing deposits | 116,609,000 | 116,954,000 | 116,422,000 | 119,235,000 |
| Noninterest-bearing deposits | 30,199,000 | 34,971,000 | 32,445,000 | 35,466,000 |
| Equity capital | 19,944,000 | 18,845,000 | 19,870,000 | 20,365,000 |
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 | 2,589,000 | 5,072,000 | 7,559,000 | 9,942,000 |
| Interest expense | 806,000 | 1,516,000 | 2,172,000 | 2,814,000 |
| Net interest income | 1,783,000 | 3,556,000 | 5,387,000 | 7,128,000 |
| Noninterest income | 364,000 | 699,000 | 1,057,000 | 1,431,000 |
| Noninterest expense | 1,232,000 | 2,499,000 | 3,798,000 | 5,174,000 |
| Provision for loan losses | 0 | 0 | 0 | 82,000 |
| Pretax income | 915,000 | 1,756,000 | 2,646,000 | 3,303,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 915,000 | 1,756,000 | 2,646,000 | 3,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,328,000 | 18,314,000 | 18,847,000 | 18,949,000 |
| Total capital | 19,208,000 | 19,168,000 | 19,673,000 | 19,717,000 |
| Risk-weighted assets | 94,246,000 | 98,326,000 | 99,967,000 | 99,257,000 |