Call reports 2003
MCNB BANK AND TRUST CO. — 2003
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 209,688,000 | 227,160,000 | 234,537,000 | 234,068,000 |
| Total loans | 70,786,000 | 75,631,000 | 81,282,000 | 87,228,000 |
| Allowance for loan losses | 1,868,000 | 1,815,000 | 1,812,000 | 1,800,000 |
| Securities available for sale | 95,515,000 | 106,931,000 | 121,830,000 | 111,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,819,000 | 197,818,000 | 208,503,000 | 208,044,000 |
| Interest-bearing deposits | 167,415,000 | 183,700,000 | 194,593,000 | 192,334,000 |
| Noninterest-bearing deposits | 14,404,000 | 14,118,000 | 13,910,000 | 15,710,000 |
| Equity capital | 23,272,000 | 24,360,000 | 22,961,000 | 23,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,478,000 | 5,041,000 | 7,804,000 | 10,608,000 |
| Interest expense | 1,375,000 | 2,869,000 | 4,077,000 | 5,288,000 |
| Net interest income | 1,103,000 | 2,172,000 | 3,727,000 | 5,320,000 |
| Noninterest income | 152,000 | 330,000 | 486,000 | 695,000 |
| Noninterest expense | 1,215,000 | 2,394,000 | 3,703,000 | 4,904,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 555,000 | 1,264,000 | 1,929,000 |
| Income tax | 38,000 | 137,000 | 375,000 | 560,000 |
| Net income | 173,000 | 418,000 | 889,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,974,000 | 22,214,000 | 22,681,000 | 23,157,000 |
| Total capital | 23,649,000 | 23,952,000 | 24,323,000 | 24,874,000 |
| Risk-weighted assets | 133,777,000 | 138,970,000 | 131,229,000 | 137,308,000 |