Call reports 2016
MCBANK — 2016
What MCBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 301,249,000 | 294,311,000 | 293,431,000 | 298,580,000 |
| Total loans | 128,145,000 | 133,244,000 | 131,857,000 | 131,342,000 |
| Allowance for loan losses | 1,013,000 | 1,343,000 | 1,363,000 | 1,367,000 |
| Securities available for sale | 120,201,000 | 136,104,000 | 137,743,000 | 141,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,135,000 | 261,360,000 | 259,334,000 | 264,796,000 |
| Interest-bearing deposits | 191,691,000 | 185,943,000 | 184,895,000 | 187,843,000 |
| Noninterest-bearing deposits | 76,444,000 | 75,417,000 | 74,439,000 | 76,953,000 |
| Equity capital | 32,498,000 | 32,211,000 | 33,212,000 | 29,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,374,000 | 4,773,000 | 7,186,000 | 9,678,000 |
| Interest expense | 179,000 | 359,000 | 536,000 | 708,000 |
| Net interest income | 2,195,000 | 4,414,000 | 6,650,000 | 8,970,000 |
| Noninterest income | 498,000 | 1,064,000 | 1,716,000 | 2,348,000 |
| Noninterest expense | 1,906,000 | 3,897,000 | 5,906,000 | 7,927,000 |
| Provision for loan losses | 48,000 | 402,000 | 456,000 | 510,000 |
| Pretax income | 739,000 | 1,432,000 | 2,257,000 | 3,135,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 739,000 | 1,432,000 | 2,257,000 | 3,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,983,000 | 27,859,000 | 28,179,000 | 28,595,000 |
| Total capital | 28,996,000 | 29,202,000 | 29,542,000 | 29,962,000 |
| Risk-weighted assets | 146,256,000 | 159,478,000 | 158,742,000 | 162,411,000 |