Call reports 2009
MCNB BANK AND TRUST CO. — 2009
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 272,433,000 | 289,995,000 | 308,639,000 | 299,873,000 |
| Total loans | 201,280,000 | 212,228,000 | 218,694,000 | 223,732,000 |
| Allowance for loan losses | 2,562,000 | 2,440,000 | 2,510,000 | 2,530,000 |
| Securities available for sale | 29,551,000 | 29,396,000 | 28,919,000 | 32,374,000 |
| Securities held to maturity | 14,526,000 | 12,160,000 | 11,908,000 | 8,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,153,000 | 251,894,000 | 270,058,000 | 267,181,000 |
| Interest-bearing deposits | 213,086,000 | 230,030,000 | 248,392,000 | 242,604,000 |
| Noninterest-bearing deposits | 21,067,000 | 21,864,000 | 21,666,000 | 24,577,000 |
| Equity capital | 23,938,000 | 23,919,000 | 24,297,000 | 24,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,703,000 | 7,485,000 | 11,392,000 | 15,385,000 |
| Interest expense | 1,630,000 | 3,313,000 | 5,083,000 | 6,727,000 |
| Net interest income | 2,073,000 | 4,172,000 | 6,309,000 | 8,658,000 |
| Noninterest income | 385,000 | 749,000 | 1,249,000 | 1,752,000 |
| Noninterest expense | 1,981,000 | 4,087,000 | 6,301,000 | 8,309,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 397,000 | 678,000 | 1,011,000 | 1,768,000 |
| Income tax | 123,000 | 215,000 | 293,000 | 455,000 |
| Net income | 274,000 | 463,000 | 718,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,713,000 | 24,309,000 | 24,498,000 | 25,056,000 |
| Total capital | 26,275,000 | 26,749,000 | 27,008,000 | 27,586,000 |
| Risk-weighted assets | 211,242,000 | 231,692,000 | 251,109,000 | 238,523,000 |