$MCBS
Metrocity Bankshares Inc

2022 Q3 Form 10-Q Financial Statement

#000174706822000040 Filed on August 05, 2022

View on sec.gov

Income Statement

Concept 2022 Q3 2022 Q2 2022 Q1
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 $1.249M $716.0K $700.0K
YoY Change 78.43% -10.5% 0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $8.509M $2.805M $1.300M
YoY Change 649.69% 163.88% 14.24%
% of Operating Profit
Other Income/Expense, Net $3.337M $3.603M $3.429M
YoY Change 21.39% 2.18% 50.33%
Pretax Income $23.90M $21.75M $26.03M
YoY Change 8.5% 13.77% 49.46%
Income Tax $7.011M $5.654M $6.597M
% Of Pretax Income 29.33% 25.99% 25.35%
Net Earnings $16.89M $16.10M $19.43M
YoY Change 0.07% 11.86% 49.67%
Net Earnings / Revenue
Basic Earnings Per Share $0.66 $0.63 $0.76
Diluted Earnings Per Share $657.3K $0.63 $0.76
COMMON SHARES
Basic Shares Outstanding 25.45M 25.46M 25.47M
Diluted Shares Outstanding 25.70M 25.73M 25.72M

Balance Sheet

Concept 2022 Q3 2022 Q2 2022 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments $190.2M $233.9M $435.7M
YoY Change -25.19%
Cash & Equivalents $179.7M $223.1M $424.7M
Short-Term Investments $10.50M $10.80M $11.00M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $22.50M $12.85M $12.81M
YoY Change 69.14% -5.24% -6.21%
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 $3.348B $3.168B $3.142B
YoY Change 21.75% 25.82% 45.86%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $1.489M $703.0K $200.0K
YoY Change 644.5% 251.5% 0.0%
Accrued Expenses $9.303M $9.031M $9.400M
YoY Change -8.79% -14.8% -14.55%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.79M $9.734M $9.600M
YoY Change 3.77% -9.87% -14.29%
LONG-TERM LIABILITIES
Long-Term Debt $396.0K $399.0K $400.0K
YoY Change -20.8% -20.2% -20.0%
Other Long-Term Liabilities $42.37M $62.64M $59.70M
YoY Change -17.41% -7.06% -2.61%
Total Long-Term Liabilities $42.77M $63.04M $60.10M
YoY Change -17.44% -7.16% -2.75%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.79M $9.734M $9.600M
Total Long-Term Liabilities $42.77M $63.04M $60.10M
Total Liabilities $2.999B $2.845B $2.832B
YoY Change 21.23% 26.23% 49.13%
SHAREHOLDERS EQUITY
Retained Earnings $279.5M $266.4M $254.2M
YoY Change 24.37% 26.32% 27.66%
Common Stock $254.0K $255.0K $255.0K
YoY Change -0.39% -0.39% -0.78%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $349.0M $323.1M $310.4M
YoY Change
Total Liabilities & Shareholders Equity $3.348B $3.168B $3.142B
YoY Change 21.75% 25.82% 45.86%

Cashflow Statement

Concept 2022 Q3 2022 Q2 2022 Q1
OPERATING ACTIVITIES
Net Income $16.89M $16.10M $19.43M
YoY Change 0.07% 11.86% 49.67%
Depreciation, Depletion And Amortization $1.249M $716.0K $700.0K
YoY Change 78.43% -10.5% 0.0%
Cash From Operating Activities -$2.111M $51.32M $94.42M
YoY Change -147.98% 103.64% 273.73%
INVESTING ACTIVITIES
Capital Expenditures -$1.090M -$339.0K $26.00K
YoY Change 69.5% -73.74%
Acquisitions
YoY Change
Other Investing Activities -$208.6M -$256.4M -$106.2M
YoY Change -29.73% 12.37% -54.83%
Cash From Investing Activities -$209.6M -$256.7M -$106.3M
YoY Change -29.37% 12.38% -54.81%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 168.4M 3.807M -4.754M
YoY Change -27.33% -98.89% -102.04%
NET CHANGE
Cash From Operating Activities -2.111M 51.32M 94.42M
Cash From Investing Activities -209.6M -256.7M -106.3M
Cash From Financing Activities 168.4M 3.807M -4.754M
Net Change In Cash -43.37M -201.5M -16.61M
YoY Change -28.55% -244.27% -170.59%
FREE CASH FLOW
Cash From Operating Activities -$2.111M $51.32M $94.42M
Capital Expenditures -$1.090M -$339.0K $26.00K
Free Cash Flow -$1.021M $51.66M $94.39M
YoY Change -123.2% 103.37% 275.1%

Facts In Submission

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CY2021Q2 us-gaap Net Income Loss
NetIncomeLoss
14393000
us-gaap Net Income Loss
NetIncomeLoss
35529000
us-gaap Net Income Loss
NetIncomeLoss
27374000
CY2022Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.63
CY2021Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.56
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.40
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.07
CY2022Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.63
CY2021Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.56
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.38
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.06
CY2022Q2 us-gaap Net Income Loss
NetIncomeLoss
16100000
CY2021Q2 us-gaap Net Income Loss
NetIncomeLoss
14393000
us-gaap Net Income Loss
NetIncomeLoss
35529000
us-gaap Net Income Loss
NetIncomeLoss
27374000
CY2022Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-1330000
CY2021Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
167000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-2814000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-42000
CY2022Q2 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
4423000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
11781000
CY2022Q2 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
773000
CY2021Q2 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
42000
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
2242000
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
-11000
CY2022Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
2320000
CY2021Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
125000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
6725000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-31000
CY2022Q2 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
18420000
CY2021Q2 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
14518000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
42254000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
27343000
CY2022Q1 us-gaap Stockholders Equity
StockholdersEquity
310410000
CY2022Q2 us-gaap Net Income Loss
NetIncomeLoss
16100000
CY2022Q2 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
359000
CY2022Q2 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
2281000
CY2022Q2 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
2320000
CY2022Q2 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.15
CY2022Q2 us-gaap Dividends Common Stock
DividendsCommonStock
3839000
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
323069000
CY2021Q1 us-gaap Stockholders Equity
StockholdersEquity
255375000
CY2021Q2 us-gaap Net Income Loss
NetIncomeLoss
14393000
CY2021Q2 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
368000
CY2021Q2 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
3422000
CY2021Q2 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
125000
CY2021Q2 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.10
CY2021Q2 us-gaap Dividends Common Stock
DividendsCommonStock
2585000
CY2021Q2 us-gaap Stockholders Equity
StockholdersEquity
264254000
CY2021Q4 us-gaap Stockholders Equity
StockholdersEquity
290223000
us-gaap Net Income Loss
NetIncomeLoss
35529000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
553000
us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
2281000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
6725000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.30
us-gaap Dividends Common Stock
DividendsCommonStock
7680000
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
323069000
CY2020Q4 us-gaap Stockholders Equity
StockholdersEquity
244831000
us-gaap Net Income Loss
NetIncomeLoss
27374000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
671000
us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
3422000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-31000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.20
us-gaap Dividends Common Stock
DividendsCommonStock
5169000
CY2021Q2 us-gaap Stockholders Equity
StockholdersEquity
264254000
us-gaap Profit Loss
ProfitLoss
35529000
us-gaap Profit Loss
ProfitLoss
27374000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
1416000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
1452000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
104000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
3804000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
553000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
671000
us-gaap Unrealized Gain Loss On Investments
UnrealizedGainLossOnInvestments
-608000
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-15000
us-gaap Proceeds From Sale Of Other Loans Held For Sale
ProceedsFromSaleOfOtherLoansHeldForSale
96932000
mcbs Gain Loss On Sale Of Residential Mortgages
GainLossOnSaleOfResidentialMortgages
2017000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
23391000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
57489000
mcbs Proceeds From Sales Of Sba Loans Held For Sale
ProceedsFromSalesOfSbaLoansHeldForSale
24959000
mcbs Proceeds From Sales Of Sba Loans Held For Sale
ProceedsFromSalesOfSbaLoansHeldForSale
62188000
mcbs Gain Loss On Sale Of Sba Loans
GainLossOnSaleOfSbaLoans
1568000
mcbs Gain Loss On Sale Of Sba Loans
GainLossOnSaleOfSbaLoans
4699000
us-gaap Life Insurance Corporate Or Bank Owned Change In Value
LifeInsuranceCorporateOrBankOwnedChangeInValue
830000
us-gaap Life Insurance Corporate Or Bank Owned Change In Value
LifeInsuranceCorporateOrBankOwnedChangeInValue
457000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
499000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-20000
us-gaap Increase Decrease In Other Current Liabilities
IncreaseDecreaseInOtherCurrentLiabilities
19273000
us-gaap Increase Decrease In Other Current Liabilities
IncreaseDecreaseInOtherCurrentLiabilities
15421000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
145718000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
50459000
mcbs Payment To Acquire Available For Sale Securities
PaymentToAcquireAvailableForSaleSecurities
1034000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
1489000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
2352000
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
-4082000
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
2304000
us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
360243000
us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
462314000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
339000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
290000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
41000
mcbs Payments To Acquire Bank Owned Life Insurance
PaymentsToAcquireBankOwnedLifeInsurance
8000000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-362970000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-463590000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
7640000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
5135000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
2281000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
3422000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
133988000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
494942000
us-gaap Debt Instrument Increase Decrease Other Net
DebtInstrumentIncreaseDecreaseOtherNet
60000
us-gaap Debt Instrument Increase Decrease Other Net
DebtInstrumentIncreaseDecreaseOtherNet
9000
mcbs Proceed From Federal Home Loan Bank Advances
ProceedFromFederalHomeLoanBankAdvances
375000000
mcbs Proceed From Federal Home Loan Bank Advances
ProceedFromFederalHomeLoanBankAdvances
120000000
mcbs Payment For Federal Home Loan Bank Advances
PaymentForFederalHomeLoanBankAdvances
500000000
mcbs Payment For Federal Home Loan Bank Advances
PaymentForFederalHomeLoanBankAdvances
30000000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-993000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
576376000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-218245000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
163245000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
441341000
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
150688000
CY2022Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
223096000
CY2021Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
313933000
mcbs Transfer Of Loan Principal To Loans Held For Sale
TransferOfLoanPrincipalToLoansHeldForSale
94915000
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 Liabilities
InitialRecognitionOfOperatingLeaseLiabilities
560000
us-gaap Interest Paid Net
InterestPaidNet
3606000
us-gaap Interest Paid Net
InterestPaidNet
2221000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
14453000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
10127000
CY2022Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
1798000
CY2022Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
6903000
us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1
CY2022Q2 us-gaap Debt Securities Available For Sale Amortized Cost After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostAfterAllowanceForCreditLoss
24155000
CY2022Q2 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
2761000
CY2022Q2 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
21394000
CY2021Q4 us-gaap Debt Securities Available For Sale Amortized Cost After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostAfterAllowanceForCreditLoss
25680000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
214000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
161000
CY2021Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
25733000
CY2022Q2 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
5321000
CY2022Q2 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
5321000
CY2022Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
1822000
CY2022Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
5620000
CY2022Q2 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
10109000
CY2022Q2 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue
8655000
CY2022Q2 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
24155000
CY2022Q2 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
21394000
CY2022Q2 mcbs Number Of Securities Pledged
NumberOfSecuritiesPledged
0
CY2021Q4 mcbs Number Of Securities Pledged
NumberOfSecuritiesPledged
0
CY2021Q2 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2021Q2 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2022Q2 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2022Q2 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2022Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
2761000
CY2022Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
15494000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
161000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
11731000
CY2022Q2 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
20
mcbs Debt Securities Available For Sale Percentage Of Depreciation
DebtSecuritiesAvailableForSalePercentageOfDepreciation
0.1513
CY2022Q2 us-gaap Marketable Securities
MarketableSecurities
10800000
CY2021Q4 us-gaap Marketable Securities
MarketableSecurities
11400000
CY2022Q2 us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
-245000
us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
-608000
us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
0
CY2021Q2 us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
0
CY2021Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
2505070000
CY2022Q2 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
30440000
CY2022Q2 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
29991000
CY2022Q2 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
1351000
CY2022Q2 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
31342000
CY2022Q2 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
499000
CY2021Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
11849000
CY2021Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
10365000
CY2021Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
1542000
CY2022Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
2777236000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
2511508000
CY2022Q2 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
7216000
CY2021Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
6438000
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16678000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16952000
CY2022Q2 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
2753342000
CY2021Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
2488118000
CY2022Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16674000
CY2022Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
4000
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16678000
CY2021Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
11735000
CY2021Q2 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
-86000
CY2021Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
6000
CY2021Q2 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
2205000
CY2021Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
13860000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16952000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
-390000
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
12000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
104000
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16678000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
10135000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
-90000
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
11000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
3804000
CY2021Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
13860000
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
499000
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
16179000
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16678000
CY2022Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
30440000
CY2022Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
2739580000
CY2022Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
2770020000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
676000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
16276000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16952000
CY2021Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
11849000
CY2021Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
2493221000
CY2021Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
11907000
CY2021Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
676000
CY2022Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
16641000
CY2022Q2 mcbs Impaired Financing Receivable Interest Income Cash Basis Method And Accrual Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethodAndAccrualMethod
87000
CY2021Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
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11748000
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FinancingReceivableModificationsRecordedInvestment
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CY2021Q4 mcbs Financing Receivable Modifications Recorded Investment Non Accrual Status
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FinancingReceivableModificationsRecordedInvestment
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FinancingReceivableTroubledDebtRestructuringSpecificReserve
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FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown
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CY2022Q2 us-gaap Financing Receivables Impaired Troubled Debt Restructuring Write Down
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FinancingReceivableModificationsRecordedInvestment
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FinancingReceivableModificationsRecordedInvestment
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LeaseCost
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CY2022Q2 mcbs Financing Receivable Modifications Td Rs Number Of Contracts
FinancingReceivableModificationsTDRsNumberOfContracts
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AdvancesFromFederalHomeLoanBanks
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OperatingLeaseCost
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us-gaap Operating Lease Cost
OperatingLeaseCost
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us-gaap Operating Lease Cost
OperatingLeaseCost
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VariableLeaseCost
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us-gaap Variable Lease Cost
VariableLeaseCost
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LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree
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CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Four
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour
1521000
CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive
1249000
CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due After Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive
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CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
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CY2022Q2 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
1359000
CY2022Q2 us-gaap Operating Lease Liability
OperatingLeaseLiability
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CapitalRequiredForCapitalAdequacyIncludingBuffer
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CY2022Q2 mcbs Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.105
CY2022Q2 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
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CY2022Q2 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
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CY2022Q2 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
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TierOneRiskBasedCapitalToRiskWeightedAssets
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TierOneRiskBasedCapitalRequiredForCapitalAdequacyIncludingBuffer
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OperatingLeaseWeightedAverageDiscountRatePercent
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OperatingLeasePayments
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OperatingLeasePayments
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OperatingLeaseLiabilityReductionPayments
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OperatingLeaseLiabilityReductionPayments
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RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
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CashDepositsPledgedAsCollateral
0
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CashDepositsPledgedAsCollateral
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mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
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CY2021Q2 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
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CY2022Q2 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
CY2021Q2 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
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mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
CY2022Q2 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
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Capital
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CapitalToRiskWeightedAssets
0.1760
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TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.085
CY2022Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
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TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
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CommonEquityTierOneCapital
308295000
CY2022Q2 mcbs Common Equity Tier One Capital To Risk Weighted Assets
CommonEquityTierOneCapitalToRiskWeightedAssets
0.1670
CY2022Q2 mcbs Common Equity Tier One Capital Required For Capital Adequacy Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyIncludingBuffer
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CY2022Q2 mcbs Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.070
CY2022Q2 us-gaap Common Equity Tier One Capital Required To Be Well Capitalized
CommonEquityTierOneCapitalRequiredToBeWellCapitalized
119995000
CY2022Q2 mcbs Common Equity Tier One Capital Required To Be Well Capitalized To Risk Weighted Assets
CommonEquityTierOneCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
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CY2022Q2 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
308295000
CY2022Q2 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
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CY2022Q2 mcbs Tier One Leverage Capital Required For Capital Adequacy Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyIncludingBuffer
119663000
CY2022Q2 mcbs Tier One Leverage Capital Required For Capital Adequacy To Average Assets Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssetsIncludingBuffer
0.040
CY2022Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
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CY2022Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.050
CY2021Q4 us-gaap Capital
Capital
297108000
CY2021Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1777
CY2021Q4 mcbs Capital Required For Capital Adequacy Including Buffer
CapitalRequiredForCapitalAdequacyIncludingBuffer
175564000
CY2021Q4 mcbs Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
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CY2021Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
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CY2021Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
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TierOneRiskBasedCapitalRequiredForCapitalAdequacyIncludingBuffer
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TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
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CY2021Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
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CY2021Q4 mcbs Common Equity Tier One Capital To Risk Weighted Assets
CommonEquityTierOneCapitalToRiskWeightedAssets
0.1676
CY2021Q4 mcbs Common Equity Tier One Capital Required For Capital Adequacy Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyIncludingBuffer
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CY2021Q4 mcbs Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
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CY2021Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
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CY2021Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.0944
CY2021Q4 mcbs Tier One Leverage Capital Required For Capital Adequacy Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyIncludingBuffer
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CY2021Q4 mcbs Tier One Leverage Capital Required For Capital Adequacy To Average Assets Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssetsIncludingBuffer
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us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
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0
CY2021Q2 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
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0
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25642350
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
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us-gaap Earnings Per Share Basic
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CY2021Q2 us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
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us-gaap Net Income Loss
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CY2021Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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CY2021Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
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us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
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us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
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CY2022Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2021Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2021Q2 us-gaap Earnings Per Share Diluted
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us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
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CY2022Q2 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0

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