Call reports 2006
MCNB BANK AND TRUST CO. — 2006
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 222,636,000 | 223,821,000 | 230,490,000 | 226,991,000 |
| Total loans | 123,812,000 | 127,177,000 | 131,757,000 | 132,223,000 |
| Allowance for loan losses | 2,082,000 | 2,164,000 | 2,250,000 | 2,251,000 |
| Securities available for sale | 43,888,000 | 43,769,000 | 49,084,000 | 46,655,000 |
| Securities held to maturity | 34,122,000 | 33,808,000 | 33,464,000 | 33,236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,908,000 | 198,775,000 | 198,274,000 | 191,611,000 |
| Interest-bearing deposits | 181,226,000 | 181,138,000 | 182,691,000 | 176,650,000 |
| Noninterest-bearing deposits | 15,682,000 | 17,637,000 | 15,583,000 | 14,961,000 |
| Equity capital | 23,238,000 | 22,874,000 | 23,568,000 | 23,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,027,000 | 6,182,000 | 9,447,000 | 12,764,000 |
| Interest expense | 1,317,000 | 2,730,000 | 4,314,000 | 5,962,000 |
| Net interest income | 1,710,000 | 3,452,000 | 5,133,000 | 6,802,000 |
| Noninterest income | 270,000 | 539,000 | 896,000 | 1,176,000 |
| Noninterest expense | 1,528,000 | 3,164,000 | 4,676,000 | 6,375,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 315,000 |
| Pretax income | 343,000 | 609,000 | 1,043,000 | 944,000 |
| Income tax | 100,000 | 167,000 | 307,000 | 233,000 |
| Net income | 243,000 | 442,000 | 736,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,201,000 | 24,796,000 | 24,227,000 | 23,626,000 |
| Total capital | 25,954,000 | 26,609,000 | 26,055,000 | 25,445,000 |
| Risk-weighted assets | 139,910,000 | 144,695,000 | 145,781,000 | 145,106,000 |