Call reports 2023
MCBANK — 2023
What MCBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 435,765,000 | 436,384,000 | 423,324,000 | 433,930,000 |
| Total loans | 175,374,000 | 178,784,000 | 186,104,000 | 194,509,000 |
| Allowance for loan losses | 2,955,000 | 3,059,000 | 3,242,000 | 3,286,000 |
| Securities available for sale | 220,365,000 | 213,556,000 | 190,591,000 | 197,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,835,000 | 395,595,000 | 378,449,000 | 374,865,000 |
| Interest-bearing deposits | 259,057,000 | 249,740,000 | 241,240,000 | 236,623,000 |
| Noninterest-bearing deposits | 146,778,000 | 145,855,000 | 137,209,000 | 138,242,000 |
| Equity capital | 28,168,000 | 26,206,000 | 19,852,000 | 29,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,439,000 | 9,032,000 | 13,759,000 | 18,694,000 |
| Interest expense | 523,000 | 1,218,000 | 2,208,000 | 3,511,000 |
| Net interest income | 3,916,000 | 7,814,000 | 11,551,000 | 15,183,000 |
| Noninterest income | 1,516,000 | 2,224,000 | 2,947,000 | 3,671,000 |
| Noninterest expense | 2,804,000 | 5,659,000 | 8,751,000 | 11,584,000 |
| Provision for loan losses | 312,000 | 624,000 | 936,000 | 1,248,000 |
| Pretax income | 2,188,000 | 3,623,000 | 4,272,000 | 5,483,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,188,000 | 3,623,000 | 4,272,000 | 5,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,376,000 | 47,529,000 | 47,632,000 | 47,810,000 |
| Total capital | 50,384,000 | 50,524,000 | 50,700,000 | 50,958,000 |
| Risk-weighted assets | 240,708,000 | 239,482,000 | 245,270,000 | 251,678,000 |