Call reports 2008
MCNB BANK AND TRUST CO. — 2008
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 251,232,000 | 253,900,000 | 256,815,000 | 268,980,000 |
| Total loans | 146,833,000 | 160,569,000 | 190,748,000 | 200,050,000 |
| Allowance for loan losses | 2,300,000 | 2,352,000 | 2,418,000 | 2,504,000 |
| Securities available for sale | 34,480,000 | 31,804,000 | 27,315,000 | 31,260,000 |
| Securities held to maturity | 23,134,000 | 21,129,000 | 19,766,000 | 18,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,232,000 | 221,864,000 | 221,498,000 | 220,160,000 |
| Interest-bearing deposits | 200,537,000 | 201,290,000 | 201,553,000 | 199,104,000 |
| Noninterest-bearing deposits | 18,695,000 | 20,574,000 | 19,945,000 | 21,056,000 |
| Equity capital | 23,663,000 | 23,547,000 | 23,774,000 | 23,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,512,000 | 6,941,000 | 10,634,000 | 14,380,000 |
| Interest expense | 1,758,000 | 3,453,000 | 5,105,000 | 6,771,000 |
| Net interest income | 1,754,000 | 3,488,000 | 5,529,000 | 7,609,000 |
| Noninterest income | 388,000 | 828,000 | 1,155,000 | 1,613,000 |
| Noninterest expense | 1,788,000 | 3,677,000 | 5,516,000 | 7,602,000 |
| Provision for loan losses | 60,000 | 90,000 | 150,000 | 240,000 |
| Pretax income | 292,000 | 543,000 | 1,011,000 | 1,372,000 |
| Income tax | 62,000 | 107,000 | 274,000 | 325,000 |
| Net income | 230,000 | 436,000 | 737,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,440,000 | 23,651,000 | 23,976,000 | 23,582,000 |
| Total capital | 25,740,000 | 25,972,000 | 26,364,000 | 26,055,000 |
| Risk-weighted assets | 184,569,000 | 185,703,000 | 193,739,000 | 201,777,000 |