Call reports 2007
MCNB BANK AND TRUST CO. — 2007
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 236,425,000 | 239,616,000 | 239,724,000 | 243,008,000 |
| Total loans | 131,944,000 | 133,038,000 | 139,302,000 | 139,545,000 |
| Allowance for loan losses | 2,251,000 | 2,251,000 | 2,231,000 | 2,251,000 |
| Securities available for sale | 44,019,000 | 44,002,000 | 44,553,000 | 41,224,000 |
| Securities held to maturity | 33,008,000 | 31,753,000 | 30,540,000 | 30,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,826,000 | 208,451,000 | 207,987,000 | 211,303,000 |
| Interest-bearing deposits | 188,272,000 | 192,717,000 | 191,867,000 | 193,788,000 |
| Noninterest-bearing deposits | 15,554,000 | 15,734,000 | 16,120,000 | 17,515,000 |
| Equity capital | 23,281,000 | 22,957,000 | 23,443,000 | 23,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,414,000 | 6,877,000 | 10,426,000 | 14,038,000 |
| Interest expense | 1,729,000 | 3,535,000 | 5,418,000 | 7,298,000 |
| Net interest income | 1,685,000 | 3,342,000 | 5,008,000 | 6,740,000 |
| Noninterest income | 265,000 | 639,000 | 1,012,000 | 1,409,000 |
| Noninterest expense | 1,635,000 | 3,422,000 | 5,106,000 | 7,039,000 |
| Provision for loan losses | 3,000 | 19,000 | 91,000 | 118,000 |
| Pretax income | 315,000 | 542,000 | 825,000 | 992,000 |
| Income tax | 94,000 | 135,000 | 193,000 | 223,000 |
| Net income | 221,000 | 407,000 | 632,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,804,000 | 23,353,000 | 23,652,000 | 23,419,000 |
| Total capital | 24,775,000 | 25,346,000 | 25,666,000 | 25,512,000 |
| Risk-weighted assets | 157,413,000 | 161,696,000 | 161,975,000 | 167,470,000 |