Call reports 2009
MCBANK — 2009
What MCBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 178,442,000 | 179,539,000 | 188,400,000 | 194,550,000 |
| Total loans | 98,688,000 | 99,673,000 | 99,774,000 | 102,514,000 |
| Allowance for loan losses | 824,000 | 868,000 | 790,000 | 838,000 |
| Securities available for sale | 53,973,000 | 53,198,000 | 56,616,000 | 58,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,813,000 | 155,099,000 | 163,085,000 | 169,238,000 |
| Interest-bearing deposits | 121,999,000 | 121,424,000 | 131,190,000 | 134,613,000 |
| Noninterest-bearing deposits | 31,814,000 | 33,675,000 | 31,895,000 | 34,625,000 |
| Equity capital | 21,284,000 | 20,948,000 | 21,899,000 | 21,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,403,000 | 6,528,000 | 8,639,000 |
| Interest expense | 520,000 | 998,000 | 1,449,000 | 1,877,000 |
| Net interest income | 1,735,000 | 3,405,000 | 5,079,000 | 6,762,000 |
| Noninterest income | 310,000 | 626,000 | 942,000 | 1,269,000 |
| Noninterest expense | 1,271,000 | 2,628,000 | 3,952,000 | 5,304,000 |
| Provision for loan losses | 143,000 | 165,000 | 234,000 | 390,000 |
| Pretax income | 631,000 | 1,238,000 | 1,835,000 | 2,337,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 631,000 | 1,238,000 | 1,835,000 | 2,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,580,000 | 19,564,000 | 19,815,000 | 19,810,000 |
| Total capital | 20,404,000 | 20,432,000 | 20,605,000 | 20,648,000 |
| Risk-weighted assets | 99,089,000 | 98,016,000 | 99,766,000 | 106,413,000 |