Call reports 2005
MCNB BANK AND TRUST CO. — 2005
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 236,419,000 | 231,672,000 | 225,628,000 | 221,662,000 |
| Total loans | 107,101,000 | 115,136,000 | 123,611,000 | 125,810,000 |
| Allowance for loan losses | 1,880,000 | 1,946,000 | 1,960,000 | 1,970,000 |
| Securities available for sale | 55,410,000 | 53,811,000 | 49,522,000 | 45,595,000 |
| Securities held to maturity | 35,601,000 | 35,166,000 | 34,687,000 | 34,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,752,000 | 203,982,000 | 199,605,000 | 195,570,000 |
| Interest-bearing deposits | 192,856,000 | 188,728,000 | 185,112,000 | 179,133,000 |
| Noninterest-bearing deposits | 16,896,000 | 15,254,000 | 14,493,000 | 16,437,000 |
| Equity capital | 23,194,000 | 24,111,000 | 23,245,000 | 23,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,842,000 | 5,815,000 | 8,858,000 | 11,973,000 |
| Interest expense | 1,182,000 | 2,392,000 | 3,637,000 | 4,942,000 |
| Net interest income | 1,660,000 | 3,423,000 | 5,221,000 | 7,031,000 |
| Noninterest income | 221,000 | 483,000 | 752,000 | 1,070,000 |
| Noninterest expense | 1,366,000 | 2,782,000 | 4,141,000 | 5,672,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 581,000 | 1,126,000 | 1,800,000 | 2,318,000 |
| Income tax | 176,000 | 369,000 | 594,000 | 915,000 |
| Net income | 405,000 | 757,000 | 1,206,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,895,000 | 25,005,000 | 24,454,000 | 24,619,000 |
| Total capital | 25,732,000 | 26,760,000 | 26,211,000 | 26,369,000 |
| Risk-weighted assets | 144,150,000 | 140,198,000 | 140,359,000 | 139,773,000 |