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As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 3/12/21 Mackinac Financial Corp./MI 10-K 12/31/20 102:25M Toppan Merrill Bridge/FA |
Document/Exhibit Description Pages Size
1: 10-K Annual Report HTML 3.20M
2: EX-4.1 Instrument Defining the Rights of Security Holders HTML 34K
3: EX-10.6 Material Contract HTML 52K
4: EX-21 Subsidiaries List HTML 25K
5: EX-23.1 Consent of Expert or Counsel HTML 26K
6: EX-31 Certification -- §302 - SOA'02 HTML 39K
7: EX-32.1 Certification -- §906 - SOA'02 HTML 28K
8: EX-32.2 Certification -- §906 - SOA'02 HTML 28K
15: R1 Document and Entity Information HTML 87K
16: R2 Consolidated Balance Sheets HTML 123K
17: R3 Consolidated Balance Sheets (Parenthetical) HTML 34K
18: R4 Consolidated Statements of Operations HTML 130K
19: R5 Consolidated Statements Comprehensive Income HTML 65K
20: R6 Consolidated Statements of Changes in HTML 74K
Shareholders' Equity
21: R7 Consolidated Statements of Cash Flows HTML 121K
22: R8 Summary of Significant Accounting Policies HTML 92K
23: R9 Restrictions on Cash and Cash Equivalents HTML 29K
24: R10 Securities Available for Sale HTML 322K
25: R11 Loans HTML 1.09M
26: R12 Premises and Equipment HTML 49K
27: R13 Other Real Estate Held for Sale HTML 49K
28: R14 Deposits HTML 60K
29: R15 Goodwill and Other Intangible Assets HTML 71K
30: R16 Servicing Rights HTML 59K
31: R17 Borrowings HTML 54K
32: R18 Income Taxes HTML 104K
33: R19 Leases HTML 51K
34: R20 Retirement Plan HTML 32K
35: R21 Defined Benefit Pension Plan HTML 85K
36: R22 Deferred Compensation Plan HTML 32K
37: R23 Regulatory Matters HTML 217K
38: R24 Stock Compensation Plans HTML 62K
39: R25 Shareholders' Equity HTML 29K
40: R26 Commitments, Contingencies and Credit Risk HTML 54K
41: R27 Fair Value HTML 359K
42: R28 Parent Company Only Financial Statements HTML 173K
43: R29 Summary of Significant Accounting Policies HTML 144K
(Policies)
44: R30 Summary of Significant Accounting Policies HTML 55K
(Tables)
45: R31 Securities Available for Sale (Tables) HTML 327K
46: R32 Loans (Tables) HTML 1.09M
47: R33 Premises and Equipment (Tables) HTML 48K
48: R34 Other Real Estate Held for Sale (Tables) HTML 48K
49: R35 Deposits (Tables) HTML 61K
50: R36 Goodwill and Other Intangible Assets (Tables) HTML 68K
51: R37 Servicing Rights (Tables) HTML 51K
52: R38 Borrowings (Tables) HTML 55K
53: R39 Income Taxes (Tables) HTML 106K
54: R40 Leases (Tables) HTML 50K
55: R41 Defined Benefit Pension Plan (Tables) HTML 88K
56: R42 Regulatory Matters (Tables) HTML 214K
57: R43 Stock Compensation Plans (Tables) HTML 61K
58: R44 Commitments, Contingencies, and Credit Risk HTML 47K
(Tables)
59: R45 Fair Value (Tables) HTML 352K
60: R46 Parent Company Only Financial Statements (Tables) HTML 175K
61: R47 Summary of Significant Accounting Policies HTML 102K
(Details)
62: R48 Restrictions on Cash and Cash Equivalents HTML 32K
(Details)
63: R49 Securities Available for Sale (Details) HTML 71K
64: R50 Securities Available for Sale - by Contractual HTML 75K
Maturity (Details)
65: R51 Securities Available for Sale - Gross Unrealized HTML 78K
Losses and Length of Time in Loss Position
(Details)
66: R52 Loans (Details) HTML 228K
67: R53 Loans - Allowance (Details) HTML 171K
68: R54 Loans - Loans by Risk Category (Details) HTML 117K
69: R55 Loans - Impaired Loans and Effect on Interest HTML 78K
Income (Details)
70: R56 Loans - Past Due (Details) HTML 64K
71: R57 Loans - Troubled Debt Restructuring (Details) HTML 42K
72: R58 Loans - Insider Loans (Details) HTML 44K
73: R59 Premises and Equipment (Details) HTML 44K
74: R60 Other Real Estate Held for Sale (Details) HTML 42K
75: R61 Deposits (Details) HTML 56K
76: R62 Goodwill and Other Intangible Assets (Details) HTML 69K
77: R63 Servicing Rights (Details) HTML 57K
78: R64 Borrowings (Details) HTML 79K
79: R65 Borrowings - Maturities (Details) HTML 40K
80: R66 Income Taxes (Details) HTML 97K
81: R67 Leases (Details) HTML 60K
82: R68 Retirement Plan (Details) HTML 33K
83: R69 Defined Benefit Pension Plan (Details) HTML 103K
84: R70 Deferred Compensation Plan (Details) HTML 44K
85: R71 Regulatory Matters (Details) HTML 91K
86: R72 Stock Compensation Plans (Details) HTML 74K
87: R73 Shareholders' Equity (Details) HTML 51K
88: R74 Commitments, Contingencies, and Credit Risk HTML 42K
(Details)
89: R75 Commitments, Contingencies, and Credit Risk - HTML 38K
Credit Risk (Details)
90: R76 Fair Value (Details) HTML 88K
91: R77 Fair Value - Other Assets and Other Liabilities HTML 33K
(Details)
92: R78 Fair Value - Recurring (Details) HTML 49K
93: R79 Fair Value - Level 3 Activities (Details) HTML 44K
94: R80 Fair Value - Nonrecurring Basis (Details) HTML 45K
95: R81 Parent Company Only Financial Statements - Balance HTML 72K
Sheets (Details)
96: R82 Parent Company Only Financial Statements - Balance HTML 37K
Sheets (Parenthetical) (Details)
97: R83 Parent Company Only Financial Statements - HTML 71K
Statement of Operations (Details)
98: R84 Parent Company Only Financial Statements - Cash HTML 78K
Flows (Details)
100: XML IDEA XML File -- Filing Summary XML 183K
14: XML XBRL Instance -- mfnc-20201231x10k_htm XML 7.83M
99: EXCEL IDEA Workbook of Financial Reports XLSX 153K
10: EX-101.CAL XBRL Calculations -- mfnc-20201231_cal XML 333K
11: EX-101.DEF XBRL Definitions -- mfnc-20201231_def XML 949K
12: EX-101.LAB XBRL Labels -- mfnc-20201231_lab XML 2.08M
13: EX-101.PRE XBRL Presentations -- mfnc-20201231_pre XML 1.55M
9: EX-101.SCH XBRL Schema -- mfnc-20201231 XSD 229K
101: JSON XBRL Instance as JSON Data -- MetaLinks 552± 830K
102: ZIP XBRL Zipped Folder -- 0001558370-21-002868-xbrl Zip 577K
EXHIBIT 31
RULE 13(a) — 14 (a) CERTIFICATIONS
I, Paul D. Tobias, Chairman and Chief Executive Officer of Mackinac Financial Corporation certify that:
| 1. | I have reviewed this report on Form 10-K of Mackinac Financial Corporation (the “registrant”); |
| 2. | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; |
| 3. | Based on my knowledge, the financial statements and other financial information included in this report fairly present, in all material respects, the financial condition, results of operations, and cash flows of the registrant as of, and for, the periods presented in this report; |
| 4. | The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15(d)-15(f)) for the registrant and have: |
| (a) | Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; |
| (b) | Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; |
| (c) | Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and |
| (d) | Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and |
| 5. | The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions): |
| (a) | All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and |
| (b) | Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting. |
| |
Date: March 12, 2021 | /s/ Paul D. Tobias |
| |
| Chairman and Chief Executive Officer |
| (principal executive officer) |
I, Jesse A. Deering, Executive Vice President/Chief Financial Officer of Mackinac Financial Corporation, certify that:
| 1. | I have reviewed this report on Form 10-K of Mackinac Financial Corporation (the “registrant”); |
| 2. | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; |
| 3. | Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; |
| 4. | The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15(d)-15(f)) for the registrant and have: |
| (a) | Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; |
| (b) | Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; |
| (c) | Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and |
| (d) | Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and |
| 5. | The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions): |
| (a) | All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and |
| (b) | Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting. |
| |
Date: March 12, 2021 | /s/ Jesse A. Deering |
| |
| Executive Vice President/ |
| Chief Financial Officer |
| (principal financial officer) |
| This ‘10-K’ Filing | Date | Other Filings | ||
|---|---|---|---|---|
 | ||||
| Filed on: | 3/12/21 | None on these Dates | ||
| For Period end: | 12/31/20 | |||
| List all Filings | ||||
As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 6/09/21 Mackinac Financial Corp./MI DEFM14A 1:4.2M Toppan Merrill/FA 6/09/21 Nicolet Bankshares Inc. 424B3 1:3.1M Toppan Merrill/FA 6/01/21 Nicolet Bankshares Inc. S-4/A 6:6.4M Toppan Merrill/FA 5/19/21 Nicolet Bankshares Inc. S-4 7:3.1M Toppan Merrill/FA |
As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 10/01/18 Mackinac Financial Corp./MI 8-K:8,9 10/01/18 2:43K Toppan Merrill/FA 5/18/18 Mackinac Financial Corp./MI 8-K:2,8,9 5/18/18 2:57K Toppan Merrill/FA 3/15/18 Mackinac Financial Corp./MI 10-K 12/31/17 105:28M Toppan Merrill Bridge/FA 2/13/18 Mackinac Financial Corp./MI 8-K:1,9 2/08/18 2:48K Toppan Merrill/FA 1/19/18 Mackinac Financial Corp./MI 425 2:630K Mackinac Financial Corp./MI Toppan Merrill-FA 3/24/14 Mackinac Financial Corp./MI 8-K:1,5,9 3/18/14 3:209K Toppan Merrill/FA 4/25/12 Mackinac Financial Corp./MI DEF 14A 5/22/12 1:568K Donnelley … Solutions/FA 3/31/09 Mackinac Financial Corp./MI 10-K 12/31/08 11:1.9M Bowne BCL/FA |