0001140361-22-038668.txt : 20221027 0001140361-22-038668.hdr.sgml : 20221027 20221027163058 ACCESSION NUMBER: 0001140361-22-038668 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20221027 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221027 DATE AS OF CHANGE: 20221027 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MACATAWA BANK CORP CENTRAL INDEX KEY: 0001053584 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 383391345 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-25927 FILM NUMBER: 221337722 BUSINESS ADDRESS: STREET 1: 10753 MACATAWA DRIVE CITY: HOLLAND STATE: MI ZIP: 49424 BUSINESS PHONE: 616-820-1444 MAIL ADDRESS: STREET 1: 10753 MACATAWA DRIVE CITY: HOLLAND STATE: MI ZIP: 49424 8-K 1 brhc10043272_8k.htm 8-K
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
 Pursuant to Section 13 or 15(d) of the
 Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):  October 27, 2022

MACATAWA BANK CORPORATION
 (Exact name of registrant as specified in its charter)

Michigan
000-25927
38-3391345
(State or other jurisdiction of Incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)

10753 Macatawa Drive, Holland, Michigan
  
49424
(Address of principal executive offices)
  
(Zip Code)

(616) 820-1444
 (Registrant's Telephone Number, Including Area Code)

Not Applicable
 (Former name or former address, if changed since last year)

          Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425).

☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).

☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)).

☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).

Securities registered pursuant to Section 12(b) of the Act:

 
Title of each class
  
Trading symbol(s)
  
Name of each exchange on which registered
 
Common stock
  
MCBC
  
NASDAQ

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02
Results of Operations and Financial Condition.

On October 27, 2022, Macatawa Bank Corporation issued the press release furnished with this report as Exhibit 99.1, which is here incorporated by reference. This report and the exhibit are furnished to, and not filed with, the Commission.

Item 9.01
Financial Statements and Exhibits.


(d)
Exhibits


99.1
Press Release dated October 27, 2022. This exhibit is furnished to, and not filed with, the Commission.


104
Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated:  October 27, 2022
MACATAWA BANK CORPORATION
   
 
By
/s/ Jon W. Swets
   
Jon W. Swets
  
   
Chief Financial Officer
  


EX-99.1 2 brhc10043272_ex99-1.htm EXHIBIT 99.1
Exhibit 99.1
   
For Immediate Release
  
NASDAQ Stock Market:  
MCBC

Macatawa Bank Corporation Reports
Third Quarter 2022 Results

HOLLAND, Mich. (October 27, 2022) – Macatawa Bank Corporation (NASDAQ: MCBC), the holding company for Macatawa Bank (collectively, the “Company”), today announced its results for the third quarter 2022.

•
Net income of $10.0 million in third quarter 2022 – up 53% versus $6.6 million in second quarter 2022 and up 39% versus $7.2 million in third quarter 2021
•
Net interest income of $19.8 million in third quarter 2022 versus $14.8 million in second quarter 2022 and $14.3 million in third quarter 2021
•
Net interest margin increased 67 basis points to 2.86% in third quarter 2022 versus second quarter 2022
•
Strong credit metrics and net loan recoveries resulted in no provision for loan losses for third quarter 2022
•
Continued loan portfolio growth – nearly 11% annualized growth rate, excluding PPP loans, for the third quarter 2022
•
Grew investment securities portfolio by $14.9 million in third quarter 2022 to supplement loan growth and continue strategic deployment of excess liquidity
•
Deposit portfolio balances remained near all-time highs achieved during pandemic surge

The Company reported net income of $10.0 million, or $0.29 per diluted share, in third quarter 2022 compared to $7.2 million, or $0.21 per diluted share, in third quarter 2021.    For the first nine months of 2022, the Company reported net income of $22.6 million, or $0.66 per diluted share, compared to $22.8 million, or $0.67 per diluted share, for the same period in 2021.

"We are pleased to report strong profitability for the third quarter of the year,” said Ronald L. Haan, President and CEO of the Company.  “Our strategy of maintaining an asset-sensitive balance sheet is paying off in this rising rate environment.  Net interest income for the third quarter 2022 was $4.9 million higher than the second quarter 2022 and $5.5 million higher than in the third quarter 2021 reflecting benefits from federal funds rate increases and growth in our loan and investment securities portfolios.  Net interest income in the 2021 periods included high levels of fee income from PPP loans, which were mostly forgiven by the end of 2021.  We remain encouraged by our commercial loan origination activity and pipeline of new loan opportunities while maintaining strong credit quality. Deposit levels also remain strong, growing during the third quarter 2022 by $61.6 million.  Total deposit balances at the end of the quarter were consistent with the level of balances a year ago at the same time, showing no signs of significant runoff of the surge in deposits we experienced during the pandemic.  These deposit levels continue to provide opportunities to grow loan and investment portfolio balances to further enhance earnings.”

Macatawa Bank Corporation 3Q Results / page 2 of 7

Mr. Haan concluded:  "Consistent loan demand and rising interest rates should continue to provide a catalyst for strong revenue growth as we close out 2022.  We believe that our balance sheet is very well-positioned to deliver further improvement in operating performance into 2023.  High inflation and higher interest rates may result in additional pressure on the economy.  The months ahead will undoubtedly present new challenges, and we remain committed to keeping a diligent eye on an ever-changing operating environment.”

Operating Results
Net interest income for the third quarter 2022 totaled $19.8 million, an increase of $4.9 million from second quarter 2022 and an increase of $5.5 million from the third quarter 2021.  Net interest margin for third quarter 2022 was 2.86 percent, up 67 basis points from the second quarter 2022 and up 82 basis points from the third quarter 2021.  Net interest income for the third quarter 2022 reflected just $94,000 in interest and fees from loans originated under the PPP, compared to $199,000 in second quarter 2022 and $3.1 million in third quarter 2021.  There was just one PPP loan remaining at September 30, 2022.  Net interest income benefited in the third quarter 2022 versus the second quarter 2022 and third quarter 2021 from the significant increases in the federal funds rate beginning in March 2022 and through September 2022 totaling 300 basis points and the related increases in rate indices impacting the Company’s variable rate loan portfolios.  Interest on federal funds increased by $2.9 million compared to second quarter 2022 and by $4.2 million compared to third quarter 2021.  Net interest income also benefited from growth in the investment securities portfolio to further deploy excess liquid funds held by the Company.  Interest on investments increased by $671,000 over second quarter 2022 and by $2.4 million over third quarter 2021.

Non-interest income was negatively impacted by the rising interest rate environment as secondary mortgage market volume and trust fee income decreased.  Non-interest income decreased $242,000 in third quarter 2022 compared to second quarter 2022 and decreased $753,000 from third quarter 2021.  Gains on sales of mortgage loans in third quarter 2022 were down $33,000 compared to second quarter 2022 and were down $685,000 from third quarter 2021.  The Company originated $6.5 million in mortgage loans for sale in third quarter 2022 compared to $8.4 million in second quarter 2022 and $21.3 million in third quarter 2021. Trust fees were down $127,000 in third quarter 2022 compared to second quarter 2022 and were down $110,000 compared to third quarter 2021, due largely to stock market conditions.  Income from debit and credit cards was down $38,000 in third quarter 2022 compared to second quarter 2022 and was up $48,000 compared to third quarter 2021.  Deposit service charge income, including treasury management fees, was up $45,000 in third quarter 2022 compared to second quarter 2022 and was up $80,000 from third quarter 2021.

Macatawa Bank Corporation 3Q Results / page 3 of 7

Non-interest expense was $12.1 million for third quarter 2022, compared to $11.9 million for second quarter 2022 and $11.6 million for third quarter 2021.  The largest component of non-interest expense was salaries and benefits expenses.  Salaries and benefits expenses were up $237,000 compared to second quarter 2022 and were up $362,000 compared to third quarter 2021.  The increase compared to second quarter 2022 was primarily due to a higher level of salaries and other compensation, bonus expense and medical insurance costs, while the increase from third quarter 2021 was due largely to a higher level of salary and other compensation resulting from merit adjustments to base pay effective April 1, 2022, a higher level of 401k matching contributions and a higher level of medical insurance costs, partially offset by lower mortgage sales commissions.  The table below identifies the primary components of the changes in salaries and benefits between periods.

 
Dollars in 000s
  
Q3 2022
to
Q2 2022
    
Q3 2022
to
Q3 2021
  
             
Salaries and other compensation
  
$
106
    
$
171
  
Salary deferral from commercial loans
    
8
      
(7
)
Bonus accrual
    
124
      
55
  
Mortgage production – variable comp
    
(50
)
    
(96
)
401k matching contributions
    
(1
)
    
89
  
Medical insurance costs
    
50
      
150
  
Total change in salaries and benefits
  
$
237
    
$
362
  

Occupancy expenses were down $83,000 in third quarter 2022 compared to second quarter 2022 and were down $4,000 compared to third quarter 2021.  Data processing expenses were up $60,000 in third quarter 2022 compared to second quarter 2022 and were up $144,000 compared to third quarter 2021 due to higher usage of electronic banking services and debit cards by our customers.  Other categories of non-interest expense were relatively flat compared to second quarter 2022 and third quarter 2021 due to a continued focus on expense management.

Federal income tax expense was $2.5 million for third quarter 2022, $1.5 million for second quarter 2022, and $1.7 million for third quarter 2021.  The effective tax rate was 19.9 percent for third quarter 2022, compared to 18.5 percent for second quarter 2022 and 19.4 percent for third quarter 2021.  The increase in the effective tax rate was due to higher levels of taxable income from both growth in taxable securities held in our investment portfolio and growth in taxable income from rising interest rates while our tax-exempt income has remained relatively flat.

Macatawa Bank Corporation 3Q Results / page 4 of 7

Asset Quality
No provision for loan losses was recorded in third quarter 2022 or in second quarter 2022 while a provision benefit of $550,000 was recorded in third quarter 2021.  Net loan recoveries for third quarter 2022 were $190,000, compared to second quarter 2022 net loan recoveries of $15,000 and third quarter 2021 net loan recoveries of $276,000.  At September 30, 2022, the Company had experienced net loan recoveries in twenty-nine of the past thirty-one quarters.  Total loans past due on payments by 30 days or more amounted to $84,000 at September 30, 2022, versus $197,000 at June 30, 2022 and $437,000 at September 30, 2021.  Delinquencies at September 30, 2022 were comprised of just one individual loan.  Delinquency as a percentage of total loans was just 0.01 percent at September 30, 2022, well below the Company’s peer level.

The allowance for loan losses of $14.8 million was 1.30 percent of total loans at September 30, 2022, compared to $14.6 million or 1.32 percent of total loans at June 30, 2022, and $16.5 million or 1.45 percent at September 30, 2021.  The ratio excluding PPP loans was 1.30 percent at September 30, 2022, 1.32 percent at June 30, 2022 and 1.56 percent at September 30, 2021.  The coverage ratio of allowance for loan losses to nonperforming loans continued to be strong and significantly exceeded 1-to-1 coverage at 174-to-1 as of September 30, 2022.

At September 30, 2022, the Company's nonperforming loans were $85,000, representing 0.01 percent of total loans.  This compares to $90,000 (0.01 percent of total loans) at September 30, 2022 and $420,000 (0.04 percent of total loans) at September 30, 2021.  Other real estate owned and repossessed assets were $2.3 million at September 30, 2022, June 30, 2022 and September 30, 2021. Total non-performing assets, including other real estate owned and nonperforming loans, were $2.4 million, or 0.09 percent of total assets, at September 30, 2022.  Total nonperforming assets, including other real estate owned and nonperforming loans, decreased by $335,000 from September 30, 2021 to September 30, 2022.

A break-down of non-performing loans is shown in the table below.

 
Dollars in 000s
  
Sept 30,
2022
    
June 30,
2022
    
Mar 31,
2022
    
Dec 31,
2021
    
Sept 30,
2021
  
                               
Commercial Real Estate
  
$
---
    
$
5
    
$
5
    
$
5
    
$
332
  
Commercial and Industrial
    
---
      
1
      
1
      
1
      
---
  
Total Commercial Loans
    
---
      
6
      
6
      
6
      
332
  
Residential Mortgage Loans
    
85
      
84
      
84
      
86
      
88
  
Consumer Loans
    
---
      
---
      
---
      
---
      
---
  
Total Non-Performing Loans
  
$
85
    
$
90
    
$
90
    
$
92
    
$
420
  

Macatawa Bank Corporation 3Q Results / page 5 of 7

A break-down of non-performing assets is shown in the table below.

 
Dollars in 000s
  
Sept 30,
2022
    
June 30,
2022
    
Mar 31,
2022
    
Dec 31,
2021
    
Sept 30,
2021
  
                               
Non-Performing Loans
  
$
85
    
$
90
    
$
90
    
$
92
    
$
420
  
Other Repossessed Assets
    
---
      
---
      
---
      
---
      
---
  
Other Real Estate Owned
    
2,343
      
2,343
      
2,343
      
2,343
      
2,343
  
Total Non-Performing Assets
  
$
2,428
    
$
2,433
    
$
2,433
    
$
2,435
    
$
2,763
  

Balance Sheet, Liquidity and Capital

Total assets were $2.84 billion at September 30, 2022, an increase of $53.8 million from $2.78 billion at June 30, 2022 and a decrease of $66.5 million from $2.90 billion at September 30, 2021.  Assets were elevated at each period-end due to customers holding a higher level of deposits during the COVID-19 pandemic, including balances from PPP loan proceeds.

The Company continued to increase its investment portfolio to deploy some of its excess liquidity.  The Company’s investment portfolio primarily consists of U.S. treasury and agency securities, agency mortgage backed securities and various municipal securities. Total securities were $803.2 million at September 30, 2022, an increase of $14.9 million from $788.3 million at June 30, 2022 and an increase of $424.2 million from $379.0 million at September 30, 2021.

Total loans were $1.14 billion at September 30, 2022, an increase of $26.7 million from $1.11 billion at June 30, 2022 and an increase of $2.0 million from $1.14 billion at September 30, 2021.

Commercial loans decreased by $12.3 million from September 30, 2021 to September 30, 2022, offset by an increase of $11.0 million in the residential mortgage portfolio, and an increase of $3.3 million in the consumer loan portfolio.  Within commercial loans, commercial real estate loans decreased by $5.0 million and commercial and industrial loans decreased by $7.3 million.  However, the largest decrease in commercial loans was in PPP loans which decreased by $77.5 million due to forgiveness by the SBA.  Excluding PPP loans, total commercial loans increased by $70.2 million.  The loan growth experienced in this time period was the direct result of both new loan prospecting efforts and existing customers beginning to borrow more for expansion of their businesses.

The composition of the commercial loan portfolio is shown in the table below:

 
Dollars in 000s
  
Sept 30,
2022
    
June 30,
2022
    
Mar 31,
2022
    
Dec 31,
2021
    
Sept 30,
2021
  
                               
Construction and Development
  
$
111,624
    
$
107,325
    
$
104,945
    
$
103,755
    
$
104,636
  
Other Commercial Real Estate
    
410,600
      
411,778
      
417,368
      
412,346
      
422,574
  
Commercial Loans Secured by Real Estate
    
522,224
      
519,103
      
522,313
      
516,101
      
527,210
  
Commercial and Industrial
    
427,034
      
407,788
      
402,854
      
378,318
      
356,812
  
Paycheck Protection Program
    
32
      
2,791
      
7,393
      
41,939
      
77,571
  
Total Commercial Loans
  
$
949,290
    
$
929,682
    
$
932,560
    
$
936,358
    
$
961,593
  

Macatawa Bank Corporation 3Q Results / page 6 of 7

Bank owned life insurance was $53.2 million at September 30, 2022, up $230,000 from $53.0 million at June 30, 2022 and up $412,000 from $52.8 million at September 30, 2021 due to earnings on the underlying investments.

Total deposits were $2.56 billion at September 30, 2022, up $61.6 million, or 2.5 percent, from $2.49 billion at June 30, 2022 and up $3.0 million, or 0.1 percent, from $2.55 billion at September 30, 2021.  Demand deposits were up $43.9 million at the end of third quarter 2022 compared to the end of second quarter 2022 and were down $53.2 million compared to the end of third quarter 2021.  Money market deposits and savings deposits were up $23.3 million from the end of second quarter 2022 and were up $73.1 million from the end of third quarter 2021.  Certificates of deposit were down $5.6 million at September 30, 2022 compared to June 30, 2022 and were down $16.8 million compared to September 30, 2021 as customers reacted to changes in market interest rates.  As deposit rates dropped during the pandemic, the Company experienced some shifting between deposit types.  As rates have now begun to increase, the Company has begun to see a shift to interest earning deposit types.  Overall deposit customers are continuing to hold higher levels of liquid deposit balances due to uncertainty related to economic conditions.  The Company continues to be successful at attracting and retaining core deposit customers.  Customer deposit accounts remain insured to the highest levels available under FDIC deposit insurance.

Other borrowed funds of $30.0 million at September 30, 2022 were unchanged compared to June 30, 2022 and were down $55.0 million compared to $85.0 million at September 30, 2021.  The decrease compared to the third quarter 2021 was largely due to the FHLB exercising its put options on a $25.0 million advance carrying a rate of 0.01% and a $10.0 million advance carrying a rate of 0.45%.  In addition, during the second quarter 2022, the Company prepaid $20.0 million in FHLB advances, with interest rates ranging from 2.91% to 3.05%.  Prepayment fees totaled $87,000 and were included in interest expense in the second quarter 2022.  Paying these advances off early will save the Company over $650,000 in annual interest expense, net of the prepayment fees incurred.

The Company's total risk-based regulatory capital ratio at September 30, 2022 was consistent with the ratio at June 30, 2022 and September 30, 2021.  Macatawa Bank’s risk-based regulatory capital ratios continue to be at levels considerably above those required to be categorized as “well capitalized” under applicable regulatory capital guidelines.  As such, the Bank was categorized as "well capitalized" at September 30, 2022.

About Macatawa Bank
Headquartered in Holland, Michigan, Macatawa Bank offers a full range of banking, retail and commercial lending, wealth management and ecommerce services to individuals, businesses and governmental entities from a network of 26 full-service branches located throughout communities in Kent, Ottawa and northern Allegan counties.  The bank is recognized for its local management team and decision making, along with providing customers excellent service, a rewarding experience and superior financial products. Macatawa Bank has been recognized for twelve years as one of “West Michigan’s 101 Best and Brightest Companies to Work For”. For more information, visit www.macatawabank.com.

Macatawa Bank Corporation 3Q Results / page 7 of 7

 
CAUTIONARY STATEMENT:  This press release contains forward-looking statements that are based on management's current beliefs, expectations, assumptions, estimates, plans and intentions.  Forward-looking statements are identifiable by words or phrases such as “anticipates,” "believe," "expect," "may," "should," "will," ”intend,” "continue," "improving," "additional," "focus," "forward," "future," "efforts," "strategy," "momentum," "positioned," and other similar words or phrases.  Such statements are based upon current beliefs and expectations and involve substantial risks and uncertainties which could cause actual results to differ materially from those expressed or implied by such forward-looking statements.  These statements include, among others, statements related to trends in our key operating metrics and financial performance, future levels of earnings and profitability, future levels of earning assets, future asset quality, future growth, future interest rates, future net interest margin and future economic conditions.  All statements with references to future time periods are forward-looking.  Management's determination of the provision and allowance for loan losses, the appropriate carrying value of intangible assets (including deferred tax assets) and other real estate owned and the fair value of investment securities (including whether any impairment on any investment security is temporary or other-than-temporary and the amount of any impairment) involves judgments that are inherently forward-looking. Our ability to sell other real estate owned at its carrying value or at all, reduce non-performing asset expenses, utilize our deferred tax asset, successfully implement new programs and initiatives, increase efficiencies, maintain our current level of deposits and other sources of funding, maintain liquidity, respond to declines in collateral values and credit quality, improve profitability, and produce consistent core earnings is not entirely within our control and is not assured.  The future effect of changes in the real estate, financial and credit markets and the national and regional economy on the banking industry, generally, and Macatawa Bank Corporation, specifically, are also inherently uncertain.  These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions ("risk factors") that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence.  Therefore, actual results and outcomes may materially differ from what may be expressed in or implied by such forward-looking statements. Macatawa Bank Corporation does not undertake to update forward-looking statements to reflect the impact of circumstances or events that may arise after the date of the forward-looking statements.
 
Risk factors include, but are not limited to, the risk factors described in "Item 1A - Risk Factors" of our Annual Report on Form 10-K for the year ended December 31, 2021.  These and other factors are representative of the risk factors that may emerge and could cause a difference between an ultimate actual outcome and a preceding forward-looking statement.
  

Contact:
 
Jon W. Swets
 
Chief Financial Officer
 
616-494-7645
 
jswets@macatawabank.com

MACATAWA BANK CORPORATION
CONSOLIDATED FINANCIAL SUMMARY
(Unaudited)
 (Dollars in thousands except per share information)

   
Quarterly
    
Nine Months Ended
September 30
  
   
3rd Qtr
2022
    
2nd Qtr
2022
    
3rd Qtr
2021
      
EARNINGS SUMMARY
              
2022
    
2021
  
Total interest income
  
$
20,875
    
$
15,435
    
$
14,842
    
$
49,452
    
$
45,300
  
Total interest expense
    
1,104
      
592
      
546
      
2,173
      
2,057
  
Net interest income
    
19,771
      
14,843
      
14,296
      
47,279
      
43,243
  
Provision for loan losses
    
-
      
-
      
(550
)
    
(1,500
)
    
(1,300
)
Net interest income after provision for loan losses
    
19,771
      
14,843
      
14,846
      
48,779
      
44,543
  
                                         
NON-INTEREST INCOME
                                        
Deposit service charges
    
1,263
      
1,218
      
1,183
      
3,693
      
3,240
  
Net gains on mortgage loans
    
166
      
199
      
851
      
673
      
4,177
  
Trust fees
    
969
      
1,096
      
1,079
      
3,153
      
3,217
  
Other
    
2,491
      
2,618
      
2,529
      
7,466
      
7,715
  
Total non-interest income
    
4,889
      
5,131
      
5,642
      
14,985
      
18,349
  
                                         
NON-INTEREST EXPENSE
                                        
Salaries and benefits
    
6,639
      
6,402
      
6,278
      
19,331
      
19,192
  
Occupancy
    
989
      
1,071
      
992
      
3,232
      
3,023
  
Furniture and equipment
    
1,014
      
988
      
1,014
      
3,017
      
2,929
  
FDIC assessment
    
201
      
197
      
204
      
578
      
532
  
Other
    
3,284
      
3,255
      
3,062
      
9,620
      
9,077
  
Total non-interest expense
    
12,127
      
11,913
      
11,550
      
35,778
      
34,753
  
Income before income tax
    
12,533
      
8,061
      
8,938
      
27,986
      
28,139
  
Income tax expense
    
2,488
      
1,493
      
1,736
      
5,372
      
5,341
  
Net income
  
$
10,045
    
$
6,568
    
$
7,202
    
$
22,614
    
$
22,798
  
                                         
Basic earnings per common share
  
$
0.29
    
$
0.19
    
$
0.21
    
$
0.66
    
$
0.67
  
Diluted earnings per common share
  
$
0.29
    
$
0.19
    
$
0.21
    
$
0.66
    
$
0.67
  
Return on average assets
    
1.40
%
    
0.92
%
    
0.98
%
    
1.05
%
    
1.08
%
Return on average equity
    
16.41
%
    
10.80
%
    
11.52
%
    
12.23
%
    
12.40
%
Net interest margin (fully taxable equivalent)
    
2.86
%
    
2.19
%
    
2.04
%
    
2.30
%
    
2.18
%
Efficiency ratio
    
49.18
%
    
59.64
%
    
57.93
%
    
57.46
%
    
56.42
%
                                         
BALANCE SHEET DATA
                  
September 30
    
June 30
    
September 30
  
Assets
                    
2022
      
2022
      
2021
  
Cash and due from banks
                  
$
33,205
    
$
38,376
    
$
30,413
  
Federal funds sold and other short-term investments
                    
733,347
      
721,826
      
1,239,525
  
Debt securities available for sale
                    
453,728
      
435,628
      
241,475
  
Debt securities held to maturity
                    
349,481
      
352,721
      
137,569
  
Federal Home Loan Bank Stock
                    
10,211
      
10,211
      
11,558
  
Loans held for sale
                    
234
      
1,163
      
2,635
  
Total loans
                    
1,138,645
      
1,111,915
      
1,136,613
  
Less allowance for loan loss
                    
14,821
      
14,631
      
16,532
  
Net loans
                    
1,123,824
      
1,097,284
      
1,120,081
  
Premises and equipment, net
                    
40,670
      
41,088
      
42,343
  
Bank-owned life insurance
                    
53,193
      
52,963
      
52,781
  
Other real estate owned
                    
2,343
      
2,343
      
2,343
  
Other assets
                    
34,802
      
27,605
      
20,777
  
                                         
Total Assets
                  
$
2,835,038
    
$
2,781,208
    
$
2,901,500
  
                                         
Liabilities and Shareholders' Equity
                                        
Noninterest-bearing deposits
                  
$
855,744
    
$
903,334
    
$
934,477
  
Interest-bearing deposits
                    
1,700,453
      
1,591,249
      
1,618,698
  
Total deposits
                    
2,556,197
      
2,494,583
      
2,553,175
  
Other borrowed funds
                    
30,000
      
30,000
      
85,000
  
Long-term debt
                    
-
      
-
      
-
  
Other liabilities
                    
12,287
      
13,516
      
11,112
  
Total Liabilities
                    
2,598,484
      
2,538,099
      
2,649,287
  
                                         
Shareholders' equity
                    
236,554
      
243,109
      
252,213
  
                                         
Total Liabilities and Shareholders' Equity
                  
$
2,835,038
    
$
2,781,208
    
$
2,901,500
  

MACATAWA BANK CORPORATION
SELECTED CONSOLIDATED FINANCIAL DATA
(Unaudited)
(Dollars in thousands except per share information)

   
Quarterly
    
Year to Date
  
   
3rd Qtr
2022
    
2nd Qtr
2022
    
1st Qtr
2022
    
4th Qtr
2021
    
3rd Qtr
2021
      
2022
      
2021
  
                             
EARNINGS SUMMARY
                                          
Net interest income
  
$
19,771
    
$
14,843
    
$
12,665
    
$
12,826
    
$
14,296
    
$
47,279
    
$
43,243
  
Provision for loan losses
    
-
      
-
      
(1,500
)
    
(750
)
    
(550
)
    
(1,500
)
    
(1,300
)
Total non-interest income
    
4,889
      
5,131
      
4,965
      
5,346
      
5,642
      
14,985
      
18,349
  
Total non-interest expense
    
12,127
      
11,913
      
11,739
      
11,337
      
11,550
      
35,778
      
34,753
  
Federal income tax expense
    
2,488
      
1,493
      
1,391
      
1,369
      
1,736
      
5,372
      
5,341
  
Net income
  
$
10,045
    
$
6,568
    
$
6,000
    
$
6,216
    
$
7,202
    
$
22,614
    
$
22,798
  
                                                         
Basic earnings per common share
  
$
0.29
    
$
0.19
    
$
0.18
    
$
0.18
    
$
0.21
    
$
0.66
    
$
0.67
  
Diluted earnings per common share
  
$
0.29
    
$
0.19
    
$
0.18
    
$
0.18
    
$
0.21
    
$
0.66
    
$
0.67
  
                                                         
MARKET DATA
                                                        
Book value per common share
  
$
6.91
    
$
7.10
    
$
7.17
    
$
7.41
    
$
7.38
    
$
6.91
    
$
7.38
  
Tangible book value per common share
  
$
6.91
    
$
7.10
    
$
7.17
    
$
7.41
    
$
7.38
    
$
6.91
    
$
7.38
  
Market value per common share
  
$
9.26
    
$
8.84
    
$
9.01
    
$
8.82
    
$
8.03
    
$
9.26
    
$
8.03
  
Average basic common shares
    
34,251,792
      
34,253,846
      
34,254,772
      
34,229,664
      
34,190,264
      
34,253,459
      
34,192,916
  
Average diluted common shares
    
34,251,792
      
34,253,846
      
34,254,772
      
34,229,664
      
34,190,264
      
34,253,459
      
34,192,916
  
Period end common shares
    
34,251,485
      
34,253,147
      
34,253,962
      
34,259,945
      
34,189,799
      
34,251,485
      
34,189,799
  
                                                         
PERFORMANCE RATIOS
                                                        
Return on average assets
    
1.40
%
    
0.92
%
    
0.82
%
    
0.85
%
    
0.98
%
    
1.05
%
    
1.08
%
Return on average equity
    
16.41
%
    
10.80
%
    
9.54
%
    
9.84
%
    
11.52
%
    
12.23
%
    
12.40
%
Net interest margin (fully taxable equivalent)
    
2.86
%
    
2.19
%
    
1.85
%
    
1.85
%
    
2.04
%
    
2.30
%
    
2.18
%
Efficiency ratio
    
49.18
%
    
59.64
%
    
66.59
%
    
62.39
%
    
57.93
%
    
57.46
%
    
56.42
%
Full-time equivalent employees (period end)
    
316
      
315
      
311
      
311
      
318
      
316
      
318
  
                                                         
ASSET QUALITY
                                                        
Gross charge-offs
  
$
46
    
$
60
    
$
35
    
$
22
    
$
22
    
$
141
    
$
102
  
Net charge-offs/(recoveries)
  
$
(190
)
  
$
(15
)
  
$
(227
)
  
$
(107
)
  
$
(276
)
  
$
(432
)
  
$
(424
)
Net charge-offs to average loans (annualized)
    
-0.07
%
    
-0.01
%
    
-0.08
%
    
-0.04
%
    
-0.09
%
    
-0.05
%
    
-0.04
%
Nonperforming loans
  
$
85
    
$
90
    
$
90
    
$
92
    
$
420
    
$
85
    
$
420
  
Other real estate and repossessed assets
  
$
2,343
    
$
2,343
    
$
2,343
    
$
2,343
    
$
2,343
    
$
2,343
    
$
2,343
  
Nonperforming loans to total loans
    
0.01
%
    
0.01
%
    
0.01
%
    
0.01
%
    
0.04
%
    
0.01
%
    
0.04
%
Nonperforming assets to total assets
    
0.09
%
    
0.09
%
    
0.08
%
    
0.08
%
    
0.10
%
    
0.09
%
    
0.10
%
Allowance for loan losses
  
$
14,821
    
$
14,631
    
$
14,616
    
$
15,889
    
$
16,532
    
$
14,821
    
$
16,532
  
Allowance for loan losses to total loans
    
1.30
%
    
1.32
%
    
1.33
%
    
1.43
%
    
1.45
%
    
1.30
%
    
1.45
%
Allowance for loan losses to total loans (excluding PPP loans)
    
1.30
%
    
1.32
%
    
1.34
%
    
1.49
%
    
1.56
%
    
1.30
%
    
1.56
%
Allowance for loan losses to nonperforming loans
    
17436.47
%
    
16256.67
%
    
16240.00
%
    
17270.65
%
    
3936.19
%
    
17436.47
%
    
3936.19
%
                                                         
CAPITAL
                                                        
Average equity to average assets
    
8.52
%
    
8.55
%
    
8.62
%
    
8.66
%
    
8.48
%
    
8.56
%
    
8.73
%
Common equity tier 1 to risk weighted assets (Consolidated)
    
16.72
%
    
16.54
%
    
16.92
%
    
17.24
%
    
17.43
%
    
16.72
%
    
17.43
%
Tier 1 capital to average assets (Consolidated)
    
9.29
%
    
9.13
%
    
8.82
%
    
8.72
%
    
8.51
%
    
9.29
%
    
8.51
%
Total capital to risk-weighted assets (Consolidated)
    
17.64
%
    
17.47
%
    
17.88
%
    
18.32
%
    
18.58
%
    
17.64
%
    
18.58
%
Common equity tier 1 to risk weighted assets (Bank)
    
16.24
%
    
16.04
%
    
16.39
%
    
16.70
%
    
16.88
%
    
16.24
%
    
16.88
%
Tier 1 capital to average assets (Bank)
    
9.02
%
    
8.85
%
    
8.55
%
    
8.44
%
    
8.24
%
    
9.02
%
    
8.24
%
Total capital to risk-weighted assets (Bank)
    
17.16
%
    
16.97
%
    
17.35
%
    
17.77
%
    
18.02
%
    
17.16
%
    
18.02
%
Common equity to assets
    
8.34
%
    
8.74
%
    
8.38
%
    
8.67
%
    
8.69
%
    
8.34
%
    
8.69
%
Tangible common equity to assets
    
8.34
%
    
8.74
%
    
8.38
%
    
8.67
%
    
8.69
%
    
8.34
%
    
8.69
%
                                                         
END OF PERIOD BALANCES
                                                        
Total portfolio loans
  
$
1,138,645
    
$
1,111,915
    
$
1,101,902
    
$
1,108,993
    
$
1,136,613
    
$
1,138,645
    
$
1,136,613
  
Earning assets
    
2,727,924
      
2,655,706
      
2,802,498
      
2,803,853
      
2,768,507
      
2,727,924
      
2,768,507
  
Total assets
    
2,835,038
      
2,781,208
      
2,929,883
      
2,928,751
      
2,901,500
      
2,835,038
      
2,901,500
  
Deposits
    
2,556,197
      
2,494,583
      
2,582,297
      
2,577,958
      
2,553,175
      
2,556,197
      
2,553,175
  
Total shareholders' equity
    
236,554
      
243,109
      
245,602
      
254,005
      
252,213
      
236,554
      
252,213
  
                                                         
AVERAGE BALANCES
                                                        
Total portfolio loans
  
$
1,124,950
    
$
1,103,955
    
$
1,092,673
    
$
1,109,863
    
$
1,182,633
    
$
1,107,311
    
$
1,302,181
  
Earning assets
    
2,746,975
      
2,724,714
      
2,788,254
      
2,780,236
      
2,804,157
      
2,753,200
      
2,671,417
  
Total assets
    
2,874,343
      
2,847,381
      
2,917,462
      
2,917,569
      
2,948,664
      
2,879,571
      
2,809,350
  
Deposits
    
2,586,165
      
2,537,111
      
2,569,315
      
2,564,961
      
2,605,043
      
2,564,259
      
2,465,858
  
Total shareholders' equity
    
244,857
      
243,352
      
251,600
      
252,606
      
249,994
      
246,578
      
245,211
  


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Document and Entity Information
Oct. 27, 2022
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 27, 2022
Entity File Number 000-25927
Entity Registrant Name MACATAWA BANK CORPORATION
Entity Central Index Key 0001053584
Entity Incorporation, State or Country Code MI
Entity Tax Identification Number 38-3391345
Entity Address, Address Line One 10753 Macatawa Drive
Entity Address, City or Town Holland
Entity Address, State or Province MI
Entity Address, Postal Zip Code 49424
City Area Code 616
Local Phone Number 820-1444
Title of 12(b) Security Common stock
Trading Symbol MCBC
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
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