Call reports 2015
MCBANK — 2015
What MCBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 289,171,000 | 288,314,000 | 293,269,000 | 291,597,000 |
| Total loans | 125,132,000 | 121,816,000 | 121,116,000 | 127,634,000 |
| Allowance for loan losses | 1,185,000 | 1,106,000 | 1,117,000 | 1,041,000 |
| Securities available for sale | 123,699,000 | 132,534,000 | 128,141,000 | 130,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,713,000 | 257,065,000 | 260,992,000 | 259,705,000 |
| Interest-bearing deposits | 185,328,000 | 182,629,000 | 187,286,000 | 185,226,000 |
| Noninterest-bearing deposits | 72,385,000 | 74,436,000 | 73,706,000 | 74,479,000 |
| Equity capital | 30,828,000 | 30,556,000 | 31,437,000 | 30,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,339,000 | 4,752,000 | 7,118,000 | 9,480,000 |
| Interest expense | 161,000 | 323,000 | 486,000 | 654,000 |
| Net interest income | 2,178,000 | 4,429,000 | 6,632,000 | 8,826,000 |
| Noninterest income | 398,000 | 866,000 | 1,335,000 | 1,790,000 |
| Noninterest expense | 1,857,000 | 3,837,000 | 5,742,000 | 7,638,000 |
| Provision for loan losses | 0 | 0 | 0 | 58,000 |
| Pretax income | 719,000 | 1,458,000 | 2,225,000 | 2,920,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 719,000 | 1,458,000 | 2,225,000 | 2,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,796,000 | 26,881,000 | 27,205,000 | 27,426,000 |
| Total capital | 27,981,000 | 27,987,000 | 28,322,000 | 28,467,000 |
| Risk-weighted assets | 135,694,000 | 133,994,000 | 136,265,000 | 148,172,000 |