Call reports 2002
MCNB BANK AND TRUST CO. — 2002
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 143,027,000 | 166,885,000 | 187,813,000 | 195,293,000 |
| Total loans | 67,199,000 | 68,967,000 | 69,391,000 | 66,730,000 |
| Allowance for loan losses | 1,902,000 | 1,957,000 | 1,860,000 | 1,856,000 |
| Securities available for sale | 63,846,000 | 84,316,000 | 104,633,000 | 108,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,513,000 | 140,646,000 | 160,559,000 | 167,168,000 |
| Interest-bearing deposits | 105,750,000 | 125,732,000 | 146,385,000 | 153,309,000 |
| Noninterest-bearing deposits | 13,763,000 | 14,914,000 | 14,174,000 | 13,859,000 |
| Equity capital | 20,770,000 | 21,932,000 | 22,574,000 | 23,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,483,000 | 7,003,000 | 9,648,000 |
| Interest expense | 865,000 | 1,923,000 | 3,186,000 | 4,502,000 |
| Net interest income | 1,269,000 | 2,560,000 | 3,817,000 | 5,146,000 |
| Noninterest income | 167,000 | 379,000 | 584,000 | 776,000 |
| Noninterest expense | 1,027,000 | 2,033,000 | 3,130,000 | 4,326,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 467,000 | 921,000 | 1,349,000 | 1,826,000 |
| Income tax | 117,000 | 248,000 | 464,000 | 423,000 |
| Net income | 350,000 | 673,000 | 885,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,723,000 | 21,060,000 | 21,284,000 | 21,799,000 |
| Total capital | 21,759,000 | 22,306,000 | 22,586,000 | 23,157,000 |
| Risk-weighted assets | 81,986,000 | 99,134,000 | 103,523,000 | 108,082,000 |