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All significant intercompany accounts and transactions have been eliminated in consolidation.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company owns all of the common stock of Macatawa Statutory Trust I and Macatawa Statutory Trust II. 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text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;">)</div></td></tr></table></div><div style="text-align: justify;"><br /></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-weight: bold; text-align: justify;">NOTE 5 &#8211; FAIR VALUE</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;">ASC Topic 820, <font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-style: italic;">Fair Value Measurements and Disclosures</font>, establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. 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These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;"><u>Other Real Estate Owned</u></font>: Other real estate owned (OREO) properties are initially recorded at fair value, less estimated costs to sell when acquired, establishing a new cost basis.&#160; Adjustments to OREO are measured at fair value, less&#160;estimated costs to sell. 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text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: left; margin-left: 7.2pt; 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Management determined that no OTTI charges were necessary during the six month periods ended June 30, 2014 and 2013.</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;">Securities with a carrying value of approximately $1.0 million were pledged as security for public deposits, letters of credit and for other purposes required or permitted by law at June 30, 2014 and December 31, 2013.</div></div></div> 11367000 11525000 5544000 5732000 1491142000 1517405000 1384883000 1353050000 20798000 20049000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>Allowance for Loan Losses</u></font>: The allowance for loan losses (allowance) is a valuation allowance for probable incurred credit losses inherent in our loan portfolio, increased by the provision for loan losses and recoveries, and decreased by charge-offs of loans. Management believes the allowance for loan losses balance to be adequate based on known and inherent risks in the portfolio, past loan loss experience, information about specific borrower situations and estimated collateral values, economic conditions and other relevant factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&#8217;s judgment, should be charged-off. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Management continues its collection efforts on previously charged-off balances and applies recoveries as additions to the allowance for loan losses.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At June 30, 2014, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. 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text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; 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text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; 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In some cases, the modification will include separating the note into two notes with the first note structured to be supported by current cash flows and collateral, and the second note made for the remaining unsecured debt.&#160; The second note is charged off immediately and collected only after the first note is paid in full.&#160; This modification type is commonly referred to as an A-B note structure.&#160; For consumer mortgage loans, the restructuring typically includes a lowering of the interest rate to provide payment and cash flow relief.&#160; For each restructuring, a comprehensive credit underwriting analysis of the borrower&#8217;s financial condition and prospects of repayment under the revised terms is performed to assess whether the structure can be successful and that cash flows will be sufficient to support the restructured debt.&#160; An analysis is also performed to determine whether the restructured loan should be on accrual status.&#160; Generally, if the loan is on accrual at the time of restructure, it will remain on accrual after the restructuring.&#160; 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The Company analyzes commercial loans individually and classifies these relationships by credit risk grading.&#160; The Company uses an eight point grading system, with grades 5 through 8 being considered classified, or watch, credits.&#160; All commercial loans are assigned a grade at origination, at each renewal or any amendment.&#160; When a credit is first downgraded to a watch credit (either through renewal, amendment, loan officer identification or the loan review process), an Administrative Loan Review (&#8220;ALR&#8221;) is generated by credit and the loan officer.&#160; All watch credits have an ALR completed monthly which analyzes the collateral position and cash flow of the borrower and its guarantors.&#160; The loan officer is required to complete both a short term and long term plan to rehabilitate or exit the credit and to give monthly comments on the progress to these plans.&#160; Management meets quarterly with loan officers to discuss each of these credits in detail and to help formulate solutions where progress has stalled.&#160; When necessary, the loan officer proposes changes to the assigned loan grade as part of the ALR.&#160; Additionally, Loan Review reviews all loan grades upon origination, renewal or amendment and again as loans are selected though the loan review process.&#160; The credit will stay on the ALR until either its grade has improved to a 4 or the credit relationship is at a zero balance.&#160; The Company uses the following definitions for the risk grades:</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify; margin-left: 36pt;"><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;"><u>1. Excellent</u></font> - Loans supported by extremely strong financial condition or secured by the Bank&#8217;s own deposits. Minimal risk to the Bank and the probability of serious rapid financial deterioration is extremely small.</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify; margin-left: 36pt;"><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;"><u>2. Above Average</u></font> - Loans supported by sound financial statements that indicate the ability to repay or borrowings secured (and margined properly) with marketable securities. Nominal risk to the Bank and probability of serious financial deterioration is highly unlikely. The overall quality of these credits is very high.</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify; margin-left: 36pt;"><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;"><u>3. Good Quality</u></font> - Loans supported by satisfactory asset quality and liquidity, good debt capacity coverage, and good management in all critical positions. Loans are secured by acceptable collateral with adequate margins. There is a slight risk of deterioration if adverse market conditions prevail.</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify; margin-left: 36pt;"><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;"><u>4. Acceptable Risk</u></font> - Loans carrying an acceptable risk to the Bank, which may be slightly below average quality. The borrower has limited financial strength with considerable leverage. There is some probability of deterioration if adverse market conditions prevail. These credits should be monitored closely by the Relationship Manager.</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify; margin-left: 36pt;"><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;"><u>5. Marginally Acceptable</u></font> - Loans are of marginal quality with above normal risk to the Bank. The borrower shows acceptable asset quality but very little liquidity with high leverage. There is inconsistent earning performance without the ability to sustain adverse market conditions. The primary source of repayment is questionable, but the secondary source of repayment still remains an option. 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Doubtful</u></font> - Loans supported by weak or no financial statements, as well as the ability to repay the entire loan, are questionable. Loans in this category are normally characterized less than adequate collateral, insolvent, or extremely weak financial condition. A loan classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses makes collection or liquidation in full highly questionable. The possibility of loss is extremely high, however, activity may be underway to minimize the loss or maximize the recovery.</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify; margin-left: 36pt;"><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;"><u>8. 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font-size: 10pt;"><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">NOTE 11 &#8211; CONTINGENCIES</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">We and our subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business.&#160; On January 27, 2014, our former Chairman and Chief Executive Officer, Mr. Benj. 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The amendments are intended to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized.&#160; These amendments clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either: (<font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-style: italic;">a</font>) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure; or (<font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-style: italic;">b</font>) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. 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A disposal of a component of an entity or a group of components of an entity is required to be reported in discontinued operations if the disposal represents a strategic shift that has (or will have) a major effect on an entity&#8217;s operations and financial results.&#160; The amendments in this Update require an entity to present, for each comparative period, the assets and liabilities of a disposal group that includes a discontinued operation separately in the asset and liability sections, respectively, of the statement of financial position.&#160; This Update also requires additional disclosures about discontinued operations including pretax profit or loss, and any ongoing involvement with the discontinued operation.&#160;&#160; The amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2014. The impact of adoption of this ASU by the Company is not expected to be material.</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;">FASB issued ASU 2014-09, <font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606).&#160; </font>The amendments in this Update creates a new topic in the <font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-style: italic;">FASB Accounting Standards Codification</font><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;">&#174; </font>(ASC or Codification), Topic 606. In addition to superseding and replacing nearly all existing U.S. GAAP revenue recognition guidance, including industry-specific guidance, ASC 606 establishes a new control-based revenue recognition model, changes the basis for deciding when revenue is recognized over time or at a point in time, provides new and more detailed guidance on specific topics and expands and improves disclosures about revenue.&#160; In addition, ASU 2014-09 adds a new Subtopic to the Codification, ASC 340-40, <font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-style: italic;">Other Assets and Deferred Costs: Contracts with Customers</font>, to provide guidance on costs related to obtaining a contract with a customer and costs incurred in fulfilling a contract with a customer that are not in the scope of another ASC Topic.&#160;&#160; The new guidance does not apply to certain contracts within the scope of other ASC Topics, such as lease contracts, insurance contracts, financing arrangements, financial instruments, guarantees other than product or service warranties, and nonmonetary exchanges between entities in the same line of business to facilitate sales to customers. The amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016.&#160; The impact of adoption of this ASU by the Company is not expected to be material.</div><div>&#160;</div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;">FASB has also issued ASU 2013-11, <font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-style: italic;">Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward or Tax Credit Carryforward Exists</font>.&#160; This update requires an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the statement of financial position as a reduction to a deferred tax asset for a net operating loss carryforward or a tax credit carryforward.&#160; However, to the extent that a net operating loss carryforward or tax credit carryforward at the reporting date is not available under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position, the unrecognized tax benefit is to be presented in the statement of financial position as a liability.&#160; No new recurring disclosures are required.&#160; The amendments are effective for public business entities for annual periods beginning after December 15, 2013, and interim periods within those periods.&#160; The amendments are to be applied on a prospective basis to all unrecognized tax benefits that exist at the effective date, although retrospective application is permitted.&#160; The impact of prospective adoption of this ASU by the Company in the first quarter of 2014 was not material.</div></div> 383102000 344550000 22408000 11238000 23456000 11875000 590000 1270000 1158000 668000 8174000 7578000 4211000 4068000 35405000 41238000 41238000 35098000 2616000 0 0 0 0 7382000 2249000 756000 6761000 11191000 0 4832000 0 635000 24221000 45018000 0 0 0 444459000 1686000 0 6000 0 19540000 53061000 0 925000 207000 5033000 206048000 0 5232000 2511000 311000 0 0 0 0 0 157701000 0 0 0 429000 5625000 2039000 109000 3485000 444001000 6015000 155680000 7128000 0 0 12777000 45391000 23638000 46178000 42133000 81577000 0 179865000 29000 0 0 12567000 2590000 24546000 0 16474000 24937000 398000 0 0 224000 4012000 601000 15836000 10402000 0 100673000 55000 6768000 4505000 58788000 0 0 5901000 6596000 0 0 0 0 509000 0 3000 10671000 0 203000 1359000 532000 593000 5653000 0 24530000 10359000 5075000 161897000 70774000 0 24318000 106000 15121000 55000 0 0 509000 0 389000 7289000 0 6226000 9391000 23000 0 0 44778000 0 11178000 0 0 3928000 0 7309000 155099000 0 15736000 0 24638000 1673000 876000 1704000 13513000 1940000 1851000 932000 905000 2030-12-31 403000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; font-weight: bold; text-align: justify;">NOTE 1 &#8211; SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif;"><u>Principles of Consolidation</u></font>: The accompanying consolidated financial statements include the accounts of Macatawa Bank Corporation ("the Company", "our", "we") and its wholly-owned subsidiary, Macatawa Bank ("the Bank"). All significant intercompany accounts and transactions have been eliminated in consolidation.</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;">Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan.</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;">The Company owns all of the common stock of Macatawa Statutory Trust I and Macatawa Statutory Trust II. 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In the opinion of management, all adjustments (consisting only of normal recurring accruals) believed necessary for a fair presentation have been included.</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;">Operating results for the three and six month periods ended June 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014. 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The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At June 30, 2014, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. 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Loans for which the terms have been modified and a concession has been made, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired.</div><div><br /></div><div style="font-size: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: justify;">Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated and the loan is reported at the present value of estimated future cash flows using the loan&#8217;s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: middle;"><div style="text-align: left; 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