Call reports 2010
MCNB BANK AND TRUST CO. — 2010
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 303,432,000 | 309,832,000 | 323,663,000 | 324,603,000 |
| Total loans | 222,283,000 | 218,477,000 | 219,145,000 | 211,101,000 |
| Allowance for loan losses | 2,620,000 | 2,763,000 | 2,774,000 | 2,775,000 |
| Securities available for sale | 32,882,000 | 46,291,000 | 49,273,000 | 63,908,000 |
| Securities held to maturity | 8,642,000 | 7,431,000 | 6,853,000 | 6,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,857,000 | 276,229,000 | 289,522,000 | 291,549,000 |
| Interest-bearing deposits | 247,229,000 | 250,907,000 | 264,664,000 | 267,466,000 |
| Noninterest-bearing deposits | 22,628,000 | 25,322,000 | 24,858,000 | 24,083,000 |
| Equity capital | 25,040,000 | 25,592,000 | 25,999,000 | 24,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,831,000 | 7,711,000 | 11,553,000 | 15,424,000 |
| Interest expense | 1,499,000 | 2,995,000 | 4,491,000 | 5,988,000 |
| Net interest income | 2,332,000 | 4,716,000 | 7,062,000 | 9,436,000 |
| Noninterest income | 428,000 | 845,000 | 1,507,000 | 2,038,000 |
| Noninterest expense | 2,151,000 | 4,449,000 | 6,723,000 | 8,852,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 465,000 |
| Pretax income | 518,000 | 931,000 | 1,711,000 | 2,473,000 |
| Income tax | 176,000 | 316,000 | 540,000 | 882,000 |
| Net income | 342,000 | 615,000 | 1,171,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,299,000 | 25,506,000 | 26,111,000 | 26,397,000 |
| Total capital | 27,919,000 | 28,269,000 | 28,885,000 | 29,172,000 |
| Risk-weighted assets | 242,015,000 | 237,532,000 | 245,773,000 | 235,054,000 |