Call reports 2001
MCNB BANK AND TRUST CO. — 2001
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 112,505,000 | 116,018,000 | 120,355,000 | 128,536,000 |
| Total loans | 48,666,000 | 49,614,000 | 56,993,000 | 63,191,000 |
| Allowance for loan losses | 1,504,000 | 1,565,000 | 1,850,000 | 1,880,000 |
| Securities available for sale | 54,333,000 | 61,982,000 | 56,084,000 | 53,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,886,000 | 80,297,000 | 83,999,000 | 100,444,000 |
| Interest-bearing deposits | 66,683,000 | 68,692,000 | 71,949,000 | 87,603,000 |
| Noninterest-bearing deposits | 12,203,000 | 11,605,000 | 12,050,000 | 12,841,000 |
| Equity capital | 28,588,000 | 28,687,000 | 29,095,000 | 20,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,880,000 | 3,816,000 | 5,821,000 | 7,890,000 |
| Interest expense | 630,000 | 1,287,000 | 1,967,000 | 2,718,000 |
| Net interest income | 1,250,000 | 2,529,000 | 3,854,000 | 5,172,000 |
| Noninterest income | 180,000 | 387,000 | 519,000 | 684,000 |
| Noninterest expense | 855,000 | 1,782,000 | 2,696,000 | 3,717,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 338,000 |
| Pretax income | 579,000 | 1,232,000 | 1,525,000 | 1,899,000 |
| Income tax | 168,000 | 331,000 | 430,000 | 635,000 |
| Net income | 411,000 | 901,000 | 1,095,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,042,000 | 28,247,000 | 28,191,000 | 20,429,000 |
| Total capital | 28,778,000 | 28,956,000 | 29,018,000 | 21,376,000 |
| Risk-weighted assets | 58,167,000 | 55,874,000 | 65,157,000 | 74,858,000 |