$MCBS
Metrocity Bankshares Inc

2021 Q4 Form 10-Q Financial Statement

#000174706821000073 Filed on November 05, 2021

View on sec.gov

Income Statement

Concept 2021 Q4 2021 Q3 2020 Q3
Revenue
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $600.0K $700.0K $700.0K
YoY Change -14.29% 0.0% 0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.135M $2.192M
YoY Change -48.22%
% of Operating Profit
Other Income/Expense, Net $2.749M $2.018M
YoY Change 36.22%
Pretax Income $24.05M $22.03M $12.30M
YoY Change 91.94% 79.07% -26.85%
Income Tax $6.610M $5.149M $2.918M
% Of Pretax Income 27.48% 23.37% 23.72%
Net Earnings $17.45M $16.88M $9.385M
YoY Change 84.66% 79.88% -24.07%
Net Earnings / Revenue
Basic Earnings Per Share $0.66 $0.37
Diluted Earnings Per Share $677.9K $0.66 $0.36
COMMON SHARES
Basic Shares Outstanding 25.47M 25.51M 25.67M
Diluted Shares Outstanding 25.73M 25.86M

Balance Sheet

Concept 2021 Q4 2021 Q3 2020 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $452.7M $254.3M
YoY Change 200.45%
Cash & Equivalents $441.3M $253.3M $126.5M
Short-Term Investments $11.40M $993.0K
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $13.07M $13.30M $24.90M
YoY Change -5.67% -46.58% -7.43%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $3.106B $2.750B $1.740B
YoY Change 63.7% 58.07% 5.79%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $200.0K $200.0K $300.0K
YoY Change 0.0% -33.33% -66.67%
Accrued Expenses $9.900M $10.20M $11.30M
YoY Change -9.17% -9.73% -12.4%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.10M $10.40M $11.60M
YoY Change -9.01% -10.34% -15.94%
LONG-TERM LIABILITIES
Long-Term Debt $500.0K $500.0K $500.0K
YoY Change 0.0% 0.0% -84.38%
Other Long-Term Liabilities $42.40M $51.30M $52.80M
YoY Change -17.19% -2.84% 38.95%
Total Long-Term Liabilities $42.90M $51.80M $53.30M
YoY Change -17.02% -2.81% 29.37%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.10M $10.40M $11.60M
Total Long-Term Liabilities $42.90M $51.80M $53.30M
Total Liabilities $2.816B $2.474B $1.503B
YoY Change 70.39% 64.63% 3.62%
SHAREHOLDERS EQUITY
Retained Earnings $238.6M $224.7M
YoY Change 26.43%
Common Stock $255.0K $255.0K
YoY Change -0.78%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $290.2M $276.2M $237.1M
YoY Change
Total Liabilities & Shareholders Equity $3.106B $2.750B $1.740B
YoY Change 63.7% 58.07% 5.79%

Cashflow Statement

Concept 2021 Q4 2021 Q3 2020 Q3
OPERATING ACTIVITIES
Net Income $17.45M $16.88M $9.385M
YoY Change 84.66% 79.88% -24.07%
Depreciation, Depletion And Amortization $600.0K $700.0K $700.0K
YoY Change -14.29% 0.0% 0.0%
Cash From Operating Activities $10.50M $4.400M $18.50M
YoY Change 17.98% -76.22% -80.11%
INVESTING ACTIVITIES
Capital Expenditures -$100.0K $0.00 -$200.0K
YoY Change -100.0% -33.33%
Acquisitions
YoY Change
Other Investing Activities -$170.1M -$296.8M -$110.5M
YoY Change 26.56% 168.6% 54.98%
Cash From Investing Activities -$170.2M -$296.8M -$110.7M
YoY Change 26.54% 168.11% 54.83%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 347.7M 231.7M 3.000M
YoY Change 132.11% 7623.33% -96.88%
NET CHANGE
Cash From Operating Activities 10.50M 4.400M 18.50M
Cash From Investing Activities -170.2M -296.8M -110.7M
Cash From Financing Activities 347.7M 231.7M 3.000M
Net Change In Cash 188.0M -60.70M -89.20M
YoY Change 676.86% -31.95% -175.91%
FREE CASH FLOW
Cash From Operating Activities $10.50M $4.400M $18.50M
Capital Expenditures -$100.0K $0.00 -$200.0K
Free Cash Flow $10.60M $4.400M $18.70M
YoY Change 19.1% -76.47% -79.96%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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dei Entity Central Index Key
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dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
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dei Document Transition Report
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dei Entity File Number
EntityFileNumber
001-39068
dei Entity Registrant Name
EntityRegistrantName
METROCITY BANKSHARES, INC.
dei Entity Incorporation State Country Code
EntityIncorporationStateCountryCode
GA
dei Entity Tax Identification Number
EntityTaxIdentificationNumber
47-2528408
dei Entity Address Address Line1
EntityAddressAddressLine1
5114 Buford Highway
dei Entity Address City Or Town
EntityAddressCityOrTown
Doraville
dei Entity Address State Or Province
EntityAddressStateOrProvince
GA
dei Entity Address Postal Zip Code
EntityAddressPostalZipCode
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dei City Area Code
CityAreaCode
770
dei Local Phone Number
LocalPhoneNumber
455-4989
dei Security12b Title
Security12bTitle
Common Stock, par value $0.01 per share
dei Trading Symbol
TradingSymbol
MCBS
dei Security Exchange Name
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NASDAQ
dei Entity Current Reporting Status
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us-gaap Net Income Loss
NetIncomeLoss
44256000
us-gaap Net Income Loss
NetIncomeLoss
26940000
CY2021Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-11000
CY2020Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
64000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-53000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
197000
CY2021Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
-200000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
-200000
CY2021Q3 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
-54000
CY2020Q3 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
21000
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
-65000
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
31000
CY2021Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-157000
CY2020Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
43000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-188000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
166000
CY2021Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
16725000
us-gaap Dividends Common Stock
DividendsCommonStock
7980000
CY2020Q3 us-gaap Stockholders Equity
StockholdersEquity
237096000
CY2020Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
574000
CY2020Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
43000
CY2020Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.09
CY2020Q3 us-gaap Dividends Common Stock
DividendsCommonStock
2327000
CY2020Q3 us-gaap Stockholders Equity
StockholdersEquity
237096000
CY2020Q4 us-gaap Stockholders Equity
StockholdersEquity
244831000
us-gaap Net Income Loss
NetIncomeLoss
44256000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
1049000
us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
5544000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-188000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.32
us-gaap Dividends Common Stock
DividendsCommonStock
8250000
CY2021Q3 us-gaap Stockholders Equity
StockholdersEquity
276154000
CY2019Q4 us-gaap Stockholders Equity
StockholdersEquity
216724000
us-gaap Net Income Loss
NetIncomeLoss
26940000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
1246000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
166000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.31
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
44068000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
27106000
CY2021Q2 us-gaap Stockholders Equity
StockholdersEquity
264254000
CY2021Q3 us-gaap Net Income Loss
NetIncomeLoss
16882000
CY2021Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
378000
CY2021Q3 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
2122000
CY2021Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-157000
CY2021Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.12
CY2021Q3 us-gaap Dividends Common Stock
DividendsCommonStock
3081000
CY2021Q3 us-gaap Stockholders Equity
StockholdersEquity
276154000
CY2020Q2 us-gaap Stockholders Equity
StockholdersEquity
229421000
CY2020Q3 us-gaap Net Income Loss
NetIncomeLoss
9385000
us-gaap Profit Loss
ProfitLoss
44256000
us-gaap Profit Loss
ProfitLoss
26940000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
2173000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
2193000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
6383000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
2511000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
1049000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
1246000
us-gaap Unrealized Gain Loss On Investments
UnrealizedGainLossOnInvestments
-7000
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-93000
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
99000
mcbs Writedown Of Foreclosed Real Estate
WritedownOfForeclosedRealEstate
141000
us-gaap Payments To Purchase Other Loans Held For Sale
PaymentsToPurchaseOtherLoansHeldForSale
6992000
us-gaap Proceeds From Sale Of Other Loans Held For Sale
ProceedsFromSaleOfOtherLoansHeldForSale
95314000
mcbs Gain Loss On Sale Of Residential Mortgages
GainLossOnSaleOfResidentialMortgages
2529000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
95764000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
104762000
mcbs Proceeds From Sales Of Sba Loans Held For Sale
ProceedsFromSalesOfSbaLoansHeldForSale
103821000
mcbs Proceeds From Sales Of Sba Loans Held For Sale
ProceedsFromSalesOfSbaLoansHeldForSale
109604000
mcbs Gain Loss On Sale Of Sba Loans
GainLossOnSaleOfSbaLoans
8057000
mcbs Gain Loss On Sale Of Sba Loans
GainLossOnSaleOfSbaLoans
4842000
us-gaap Life Insurance Corporate Or Bank Owned Change In Value
LifeInsuranceCorporateOrBankOwnedChangeInValue
755000
us-gaap Life Insurance Corporate Or Bank Owned Change In Value
LifeInsuranceCorporateOrBankOwnedChangeInValue
359000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
66000
mcbs Transfer Of Loan Principal To Foreclosed Real Estate Net Of Write Downs
TransferOfLoanPrincipalToForeclosedRealEstateNetOfWriteDowns
1360000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
2898000
mcbs Increase Decrease In Sba Servicing Rights
IncreaseDecreaseInSbaServicingRights
1273000
mcbs Increase Decrease In Sba Servicing Rights
IncreaseDecreaseInSbaServicingRights
1985000
mcbs Increase Decrease In Mortgage Servicing Rights
IncreaseDecreaseInMortgageServicingRights
4398000
mcbs Increase Decrease In Mortgage Servicing Rights
IncreaseDecreaseInMortgageServicingRights
3469000
us-gaap Increase Decrease In Other Current Assets
IncreaseDecreaseInOtherCurrentAssets
87000
us-gaap Increase Decrease In Other Current Assets
IncreaseDecreaseInOtherCurrentAssets
3010000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-14000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-580000
us-gaap Increase Decrease In Other Current Liabilities
IncreaseDecreaseInOtherCurrentLiabilities
-1271000
us-gaap Increase Decrease In Other Current Liabilities
IncreaseDecreaseInOtherCurrentLiabilities
20311000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
54893000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
133673000
us-gaap Payments For Securities Purchased Under Agreements To Resell
PaymentsForSecuritiesPurchasedUnderAgreementsToResell
25000000
mcbs Payment To Acquire Available For Sale Securities
PaymentToAcquireAvailableForSaleSecurities
1034000
mcbs Payment To Acquire Available For Sale Securities
PaymentToAcquireAvailableForSaleSecurities
3719000
us-gaap Payments To Acquire Marketable Securities
PaymentsToAcquireMarketableSecurities
1000000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
2539000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
1374000
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
6054000
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
1881000
us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
732246000
us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
300108000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
333000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
481000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
189000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
1459000
mcbs Payments To Acquire Bank Owned Life Insurance
PaymentsToAcquireBankOwnedLifeInsurance
22500000
mcbs Payments To Acquire Bank Owned Life Insurance
PaymentsToAcquireBankOwnedLifeInsurance
15000000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-760439000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-343356000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
8232000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
7975000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
5544000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
631938000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
30414000
us-gaap Debt Instrument Increase Decrease Other Net
DebtInstrumentIncreaseDecreaseOtherNet
15000
us-gaap Debt Instrument Increase Decrease Other Net
DebtInstrumentIncreaseDecreaseOtherNet
2638000
mcbs Proceed From Federal Home Loan Bank Advances
ProceedFromFederalHomeLoanBankAdvances
270000000
mcbs Proceed From Federal Home Loan Bank Advances
ProceedFromFederalHomeLoanBankAdvances
40000000
mcbs Payment For Federal Home Loan Bank Advances
PaymentForFederalHomeLoanBankAdvances
80000000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
808147000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
59801000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
102601000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-149882000
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
150688000
CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
276413000
CY2021Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
253289000
CY2020Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
126531000
mcbs Transfer Of Loan Principal To Foreclosed Real Estate Net Of Write Downs
TransferOfLoanPrincipalToForeclosedRealEstateNetOfWriteDowns
812000
mcbs Initial Recognition Of Operating Lease Right Of Use Assets
InitialRecognitionOfOperatingLeaseRightOfUseAssets
560000
mcbs Initial Recognition Of Operating Lease Right Of Use Assets
InitialRecognitionOfOperatingLeaseRightOfUseAssets
131000
mcbs Initial Recognition Of Operating Lease Liabilities
InitialRecognitionOfOperatingLeaseLiabilities
560000
mcbs Initial Recognition Of Operating Lease Liabilities
InitialRecognitionOfOperatingLeaseLiabilities
131000
us-gaap Interest Paid Net
InterestPaidNet
3350000
us-gaap Interest Paid Net
InterestPaidNet
10658000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
17932000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
11639000
us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1
us-gaap Derivatives Methods Of Accounting Hedging Derivatives
DerivativesMethodsOfAccountingHedgingDerivatives
<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;text-indent:18pt;margin:0pt 0pt 12pt 0pt;"><i style="font-style:italic;text-decoration:underline;text-decoration-color:#000000;">Interest Rate Swaps.</i><b style="color:#ff0000;font-weight:bold;"> </b>The Company may use interest rate swap agreements to hedge various exposures or to modify interest rate characteristics of various financial instruments. The Company utilizes interest rate swap agreements as part of its asset/liability management strategy to help manage its interest-rate risk position. Interest rate swaps are contracts in which a series of interest payments are exchanged over a prescribed time period. The notional amounts of the interest rate swap are correlated to match the underlying asset or liability and do not represent the amount exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreements.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;text-indent:18pt;margin:0pt;">The Company determines the effectiveness of cash flow hedges at the inception of the derivative contract based on the Company’s intentions and belief as to the likely effectiveness as a hedge. Cash flow hedges represent a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to the recognized asset or liability. For a cash flow hedge, the gain or loss on the derivative is reported in other comprehensive income (loss) and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. The changes in fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge </p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">accounting are reported currently in earnings, as noninterest income. Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged. </p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;text-indent:18pt;margin:0pt 0pt 12pt 0pt;">The Company formally documents the relationship between derivatives and hedge items, as well as the risk management objective and the strategy for undertaking hedge transactions at the inception of the hedging relationship. This documentation includes linking cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair value or cash flows of hedged items. The Company will discontinue the hedge accounting when it determines that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged items, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended. </p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;text-indent:18pt;margin:0pt 0pt 12pt 0pt;">When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded as noninterest income. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income are amortized into income over the same periods in which the hedged transactions will affect income.</p>
CY2020Q1 mcbs Coronavirus Aid Relief And Economic Security Act Value Of Relief Package Provided By Government
CoronavirusAidReliefAndEconomicSecurityActValueOfReliefPackageProvidedByGovernment
2200000000000
CY2021Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
16299000
CY2021Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
230000
CY2021Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
22000
CY2021Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
16507000
CY2020Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
17856000
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
261000
CY2020Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
18117000
CY2021Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
7411000
CY2021Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
7411000
CY2021Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
1971000
CY2021Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
2051000
CY2021Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
5945000
CY2021Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
6057000
CY2021Q3 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
972000
CY2021Q3 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue
988000
CY2021Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
16299000
CY2021Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
16507000
CY2021Q3 mcbs Number Of Securities Pledged
NumberOfSecuritiesPledged
0
CY2020Q4 mcbs Number Of Securities Pledged
NumberOfSecuritiesPledged
0
CY2020Q3 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2020Q3 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2021Q3 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2021Q3 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
0
CY2021Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
13860000
CY2021Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
6000
CY2021Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
22000
CY2021Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
2196000
CY2021Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
2
mcbs Debt Securities Available For Sale Percentage Of Depreciation
DebtSecuritiesAvailableForSalePercentageOfDepreciation
0.0099
CY2021Q3 us-gaap Marketable Securities
MarketableSecurities
993000
CY2020Q4 us-gaap Marketable Securities
MarketableSecurities
0
us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
-7000
CY2021Q3 us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
-7000
us-gaap Marketable Securities Unrealized Gain Loss
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0
CY2020Q3 us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
0
CY2021Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
2368487000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1634939000
CY2021Q3 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
6782000
CY2020Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
4595000
CY2021Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16445000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
10135000
CY2021Q3 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
2345260000
CY2020Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1620209000
CY2021Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
2579000
CY2021Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16445000
CY2020Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
7894000
CY2020Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
-17000
CY2020Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
12000
CY2020Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1450000
CY2020Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
9339000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
10135000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
15264000
mcbs Impaired Financing Receivable Interest Income Cash Basis Method And Accrual Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethodAndAccrualMethod
535000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
-90000
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
17000
CY2021Q3 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
2354037000
CY2021Q3 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
1713000
CY2021Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
5955000
CY2021Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
2361705000
CY2020Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1598994000
CY2020Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
21147000
us-gaap Provision For Loan Lease And Other Losses
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CY2021Q3 us-gaap Loans And Leases Receivable Allowance
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CY2021Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
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CY2021Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
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CY2021Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
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CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
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CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
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CY2020Q4 us-gaap Loans And Leases Receivable Allowance
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CY2020Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
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CY2020Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
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CY2020Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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CY2021Q3 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
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CY2021Q3 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
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ImpairedFinancingReceivableRecordedInvestment
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ImpairedFinancingReceivableRelatedAllowance
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CY2020Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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CY2021Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
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CY2021Q3 mcbs Financing Receivable Modifications Recorded Investment Still Accruing
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CY2021Q3 mcbs Financing Receivable Modifications Recorded Investment Non Accrual Status
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CY2021Q3 us-gaap Financing Receivable Modifications Recorded Investment
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CY2020Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
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CY2021Q3 mcbs Financing Receivable Troubled Debt Restructuring Specific Reserve
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CY2020Q4 mcbs Financing Receivable Troubled Debt Restructuring Specific Reserve
FinancingReceivableTroubledDebtRestructuringSpecificReserve
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us-gaap Financing Receivables Impaired Troubled Debt Restructuring Write Down
FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown
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CY2020Q3 us-gaap Financing Receivables Impaired Troubled Debt Restructuring Write Down
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us-gaap Financing Receivables Impaired Troubled Debt Restructuring Write Down
FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown
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CY2021Q3 us-gaap Financing Receivables Impaired Troubled Debt Restructuring Write Down
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CY2021Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
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CY2021Q3 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
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CY2020Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
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FinancingReceivableModificationsTDRsNumberOfContracts
5000
CY2021Q3 mcbs Financing Receivable Modifications Recorded Investment Including Interest And Fees
FinancingReceivableModificationsRecordedInvestmentIncludingInterestAndFees
3218000
CY2020Q4 mcbs Financing Receivable Modifications Td Rs Number Of Contracts
FinancingReceivableModificationsTDRsNumberOfContracts
7000
CY2020Q4 mcbs Financing Receivable Modifications Recorded Investment Including Interest And Fees
FinancingReceivableModificationsRecordedInvestmentIncludingInterestAndFees
3387000
mcbs Coronavirus Aid Relief And Economic Security Act Loan Deferral Period
CoronavirusAidReliefAndEconomicSecurityActLoanDeferralPeriod
P3M
CY2021Q3 mcbs Coronavirus Aid Relief And Economic Security Act Loan Deferral Value For Three Months
CoronavirusAidReliefAndEconomicSecurityActLoanDeferralValueForThreeMonths
11700000
CY2021Q3 mcbs Coronavirus Aid Relief And Economic Security Act Loan Deferral Unguaranteed Book Value For Three Months
CoronavirusAidReliefAndEconomicSecurityActLoanDeferralUnguaranteedBookValueForThreeMonths
2900000
CY2021Q3 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
300000000
CY2020Q4 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
110000000
CY2021Q3 us-gaap Servicing Asset At Fair Value Amount
ServicingAssetAtFairValueAmount
8700000
CY2020Q4 us-gaap Servicing Asset At Fair Value Amount
ServicingAssetAtFairValueAmount
13100000
CY2021Q3 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
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756100000
CY2021Q3 us-gaap Secured Debt
SecuredDebt
468000
CY2020Q3 us-gaap Secured Debt
SecuredDebt
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CY2021Q3 us-gaap Lessee Operating Lease Renewal Term
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P5Y
us-gaap Lessee Operating Lease Existence Of Option To Terminate
LesseeOperatingLeaseExistenceOfOptionToTerminate
false
mcbs Lessee Operating Lease Number Of Short Term Leases
LesseeOperatingLeaseNumberOfShortTermLeases
0
CY2021Q3 us-gaap Lessee Operating Lease Liability Payments Due After Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive
2136000
CY2021Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
11207000
CY2021Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Four
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour
1726000
CY2021Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive
1473000
CY2021Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
561000
CY2020Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
546000
us-gaap Operating Lease Cost
OperatingLeaseCost
1669000
us-gaap Operating Lease Cost
OperatingLeaseCost
1636000
CY2021Q3 us-gaap Variable Lease Cost
VariableLeaseCost
40000
CY2020Q3 us-gaap Variable Lease Cost
VariableLeaseCost
47000
us-gaap Variable Lease Cost
VariableLeaseCost
125000
us-gaap Variable Lease Cost
VariableLeaseCost
142000
CY2021Q3 us-gaap Lease Cost
LeaseCost
601000
CY2020Q3 us-gaap Lease Cost
LeaseCost
593000
us-gaap Lease Cost
LeaseCost
1794000
us-gaap Lease Cost
LeaseCost
1778000
CY2021Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Rolling Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths
1973000
CY2021Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Two
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo
2010000
CY2021Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Three
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree
1889000
CY2021Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
966000
CY2021Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
10241000
CY2021Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P6Y
CY2021Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0306
us-gaap Operating Lease Payments
OperatingLeasePayments
1474000
us-gaap Operating Lease Payments
OperatingLeasePayments
1535000
mcbs Operating Lease Liability Reduction Payments
OperatingLeaseLiabilityReductionPayments
1229000
mcbs Operating Lease Liability Reduction Payments
OperatingLeaseLiabilityReductionPayments
1257000
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
560000
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
131000
CY2021Q3 mcbs Cash Deposits Pledged As Collateral
CashDepositsPledgedAsCollateral
0
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
CY2020Q3 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
CY2021Q3 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
CY2020Q3 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
CY2021Q3 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
CY2020 mcbs Capital Conservation Buffer Percentage
CapitalConservationBufferPercentage
0.0250
CY2021Q3 us-gaap Capital
Capital
281676000
CY2021Q3 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1764
CY2021Q3 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
265231000
CY2021Q3 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1661
CY2021Q3 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
265231000
CY2021Q3 mcbs Common Equity Tier One Capital To Risk Weighted Assets
CommonEquityTierOneCapitalToRiskWeightedAssets
0.1661
CY2021Q3 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
265231000
CY2021Q3 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1034
CY2020Q4 us-gaap Capital
Capital
245128000
CY2020Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.2086
CY2020Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
234993000
CY2020Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.2000
CY2020Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
234993000
CY2020Q4 mcbs Common Equity Tier One Capital To Risk Weighted Assets
CommonEquityTierOneCapitalToRiskWeightedAssets
0.2000
CY2020Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
234993000
CY2020Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1344
CY2021Q3 us-gaap Net Income Loss
NetIncomeLoss
16882000
CY2020Q3 us-gaap Net Income Loss
NetIncomeLoss
9385000
us-gaap Net Income Loss
NetIncomeLoss
44256000
us-gaap Net Income Loss
NetIncomeLoss
26940000
CY2021Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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25507814
CY2020Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25674067
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25607986
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25593560
CY2021Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.66
CY2020Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.37
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.73
CY2020Q3 us-gaap Net Income Loss
NetIncomeLoss
9385000
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.05
CY2021Q3 us-gaap Net Income Loss
NetIncomeLoss
16882000
us-gaap Net Income Loss
NetIncomeLoss
44256000
us-gaap Net Income Loss
NetIncomeLoss
26940000
CY2021Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25507814
CY2020Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25674067
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25607986
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25593560
CY2021Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
221229
CY2020Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
184674
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
197494
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
180940
CY2021Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25729043
CY2020Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25858741
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25805480
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25774500
CY2021Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.66
CY2020Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.36
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.71
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.05
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2020Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2021Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0

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