Call reports 2020
MCBANK — 2020
What MCBANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 324,872,000 | 367,842,000 | 367,810,000 | 373,520,000 |
| Total loans | 133,997,000 | 136,751,000 | 138,189,000 | 123,375,000 |
| Allowance for loan losses | 2,074,000 | 2,142,000 | 2,164,000 | 2,328,000 |
| Securities available for sale | 153,465,000 | 173,186,000 | 181,089,000 | 189,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,257,000 | 309,344,000 | 309,543,000 | 319,349,000 |
| Interest-bearing deposits | 187,641,000 | 194,499,000 | 192,986,000 | 198,481,000 |
| Noninterest-bearing deposits | 96,616,000 | 114,845,000 | 116,557,000 | 120,868,000 |
| Equity capital | 34,699,000 | 47,398,000 | 49,001,000 | 48,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,070,000 | 6,089,000 | 9,184,000 | 12,458,000 |
| Interest expense | 185,000 | 363,000 | 529,000 | 686,000 |
| Net interest income | 2,885,000 | 5,726,000 | 8,655,000 | 11,772,000 |
| Noninterest income | 576,000 | 1,063,000 | 1,699,000 | 2,309,000 |
| Noninterest expense | 2,455,000 | 4,985,000 | 7,230,000 | 9,670,000 |
| Provision for loan losses | 120,000 | 180,000 | 270,000 | 603,000 |
| Pretax income | 979,000 | 1,746,000 | 2,976,000 | 5,708,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 979,000 | 1,746,000 | 2,976,000 | 5,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,484,000 | 39,561,000 | 40,537,000 | 41,362,000 |
| Total capital | 33,569,000 | 41,672,000 | 42,731,000 | 43,702,000 |
| Risk-weighted assets | 166,834,000 | 168,854,000 | 177,121,000 | 187,256,000 |