Call reports 2004
MCNB BANK AND TRUST CO. — 2004
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 239,238,000 | 235,376,000 | 238,441,000 | 235,915,000 |
| Total loans | 86,838,000 | 89,129,000 | 96,650,000 | 102,894,000 |
| Allowance for loan losses | 1,711,000 | 1,747,000 | 1,747,000 | 1,801,000 |
| Securities available for sale | 103,356,000 | 103,264,000 | 50,623,000 | 53,090,000 |
| Securities held to maturity | 0 | 0 | 40,420,000 | 39,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,498,000 | 210,286,000 | 212,701,000 | 209,465,000 |
| Interest-bearing deposits | 195,689,000 | 195,054,000 | 196,043,000 | 193,389,000 |
| Noninterest-bearing deposits | 15,809,000 | 15,232,000 | 16,658,000 | 16,076,000 |
| Equity capital | 24,098,000 | 21,674,000 | 22,328,000 | 23,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,684,000 | 5,351,000 | 8,072,000 | 10,943,000 |
| Interest expense | 1,181,000 | 2,369,000 | 3,571,000 | 4,774,000 |
| Net interest income | 1,503,000 | 2,982,000 | 4,501,000 | 6,169,000 |
| Noninterest income | 168,000 | 348,000 | 529,000 | 704,000 |
| Noninterest expense | 1,129,000 | 2,426,000 | 3,718,000 | 5,107,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 534,000 | 880,000 | 1,272,000 | 1,681,000 |
| Income tax | 149,000 | 225,000 | 332,000 | 462,000 |
| Net income | 385,000 | 655,000 | 940,000 | 1,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,225,000 | 23,486,000 | 22,230,000 | 23,404,000 |
| Total capital | 24,936,000 | 25,233,000 | 23,977,000 | 25,205,000 |
| Risk-weighted assets | 144,229,000 | 143,570,000 | 150,891,000 | 146,604,000 |