Macatawa Bank Corporation Annual report pursuant to Section 13 and 15(d)

Annual report pursuant to Section 13 and 15(d)

LOANS, Past Due Loans (Details)

LOANS, Past Due Loans (Details) (USD $)	9 Months Ended	12 Months Ended
LOANS, Past Due Loans (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2014 Payment	Dec. 31, 2013 Payment
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		$ 8,292,000	$ 12,182,000
Over 90 days Accruing		134,000	153,000
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		671,000	1,095,000
Greater than 90 days		2,170,000	4,425,000
Total past due		2,841,000	5,520,000
Loans not past due		1,115,642,000	1,036,857,000
Total ending loans balance		1,118,483,000	1,042,377,000
Specific reserves allocated to customers with modified term loans in troubled debt restructurings		4,065,000	3,870,000
Number of consecutive payment before nonaccrual restructured loan is upgraded		6	6
Number of months of performance before a loan is removed from TDR		6 months	6 months
Reduction in loans designated as TDR and impaired	5,900,000
Commercial and Industrial [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		5,605,000	5,625,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		54,000	0
Greater than 90 days		0	0
Total past due		54,000	0
Loans not past due		327,620,000	274,099,000
Total ending loans balance		327,674,000	274,099,000
Commercial Real Estate [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		1,906,000	5,553,000
Over 90 days Accruing		117,000	153,000
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		200,000	679,000
Greater than 90 days		1,427,000	4,425,000
Total past due		1,627,000	5,104,000
Loans not past due		488,904,000	467,236,000
Total ending loans balance		490,531,000	472,340,000
Residential Developed [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		245,000	2,590,000
Over 90 days Accruing		0	153,000
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	143,000
Greater than 90 days		0	2,296,000
Total past due		0	2,439,000
Loans not past due		12,771,000	15,691,000
Total ending loans balance		12,771,000	18,130,000
Unsecured to Residential Developers [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		0	0
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	0
Greater than 90 days		0	0
Total past due		0	0
Loans not past due		7,496,000	7,315,000
Total ending loans balance		7,496,000	7,315,000
Vacant and Unimproved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		0	0
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		100,000	0
Greater than 90 days		0	0
Total past due		100,000	0
Loans not past due		50,272,000	42,988,000
Total ending loans balance		50,372,000	42,988,000
Commercial Development [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		29,000	23,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	0
Greater than 90 days		29,000	23,000
Total past due		29,000	23,000
Loans not past due		4,053,000	2,411,000
Total ending loans balance		4,082,000	2,434,000
Residential Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		766,000	429,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		100,000	98,000
Greater than 90 days		440,000	50,000
Total past due		540,000	148,000
Loans not past due		69,072,000	76,146,000
Total ending loans balance		69,612,000	76,294,000
Commercial Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		866,000	2,511,000
Over 90 days Accruing		117,000	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	438,000
Greater than 90 days		958,000	2,056,000
Total past due		958,000	2,494,000
Loans not past due		268,799,000	244,701,000
Total ending loans balance		269,757,000	247,195,000
Manufacturing and Industrial [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		0	0
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	0
Greater than 90 days		0	0
Total past due		0	0
Loans not past due		76,441,000	77,984,000
Total ending loans balance		76,441,000	77,984,000
Consumer Loan [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		781,000	1,004,000
Over 90 days Accruing		17,000	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		417,000	416,000
Greater than 90 days		743,000	0
Total past due		1,160,000	416,000
Loans not past due		299,118,000	295,522,000
Total ending loans balance		300,278,000	295,938,000
Residential Mortgage [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		305,000	639,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		338,000	78,000
Greater than 90 days		303,000	0
Total past due		641,000	78,000
Loans not past due		189,608,000	188,570,000
Total ending loans balance		190,249,000	188,648,000
Unsecured [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		40,000	33,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	9,000
Greater than 90 days		18,000	0
Total past due		18,000	9,000
Loans not past due		930,000	1,328,000
Total ending loans balance		948,000	1,337,000
Home Equity [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		436,000	332,000
Over 90 days Accruing		17,000	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		79,000	317,000
Greater than 90 days		422,000	0
Total past due		501,000	317,000
Loans not past due		98,386,000	95,644,000
Total ending loans balance		98,887,000	95,961,000
Other Secured [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		0	0
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	12,000
Greater than 90 days		0	0
Total past due		0	12,000
Loans not past due		10,194,000	9,980,000
Total ending loans balance		$ 10,194,000	$ 9,992,000