Call reports 2019
MCBANK — 2019
What MCBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 316,137,000 | 325,354,000 | 316,163,000 | 325,163,000 |
| Total loans | 135,292,000 | 140,910,000 | 136,973,000 | 135,668,000 |
| Allowance for loan losses | 1,845,000 | 2,015,000 | 1,884,000 | 1,973,000 |
| Securities available for sale | 147,982,000 | 138,780,000 | 141,789,000 | 161,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,445,000 | 290,941,000 | 280,403,000 | 289,160,000 |
| Interest-bearing deposits | 191,281,000 | 190,854,000 | 182,240,000 | 185,733,000 |
| Noninterest-bearing deposits | 92,164,000 | 100,087,000 | 98,163,000 | 103,427,000 |
| Equity capital | 31,886,000 | 33,406,000 | 34,616,000 | 34,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,003,000 | 6,095,000 | 9,239,000 | 12,359,000 |
| Interest expense | 232,000 | 466,000 | 685,000 | 890,000 |
| Net interest income | 2,771,000 | 5,629,000 | 8,554,000 | 11,469,000 |
| Noninterest income | 583,000 | 1,196,000 | 1,839,000 | 2,436,000 |
| Noninterest expense | 2,259,000 | 4,825,000 | 7,199,000 | 9,683,000 |
| Provision for loan losses | 168,000 | 335,000 | 503,000 | 657,000 |
| Pretax income | 926,000 | 1,676,000 | 2,708,000 | 3,608,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 926,000 | 1,676,000 | 2,708,000 | 3,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,182,000 | 29,300,000 | 30,087,000 | 30,489,000 |
| Total capital | 31,057,000 | 31,345,000 | 32,001,000 | 32,492,000 |
| Risk-weighted assets | 168,432,000 | 172,461,000 | 165,105,000 | 164,206,000 |