Call reports 2011
MCNB BANK AND TRUST CO. — 2011
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 332,553,000 | 325,057,000 | 333,235,000 | 320,020,000 |
| Total loans | 209,862,000 | 208,348,000 | 207,296,000 | 211,124,000 |
| Allowance for loan losses | 2,867,000 | 2,932,000 | 3,101,000 | 2,775,000 |
| Securities available for sale | 66,383,000 | 71,417,000 | 70,784,000 | 74,916,000 |
| Securities held to maturity | 6,483,000 | 6,402,000 | 4,969,000 | 4,897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,030,000 | 290,677,000 | 297,594,000 | 284,073,000 |
| Interest-bearing deposits | 273,825,000 | 268,034,000 | 265,812,000 | 244,439,000 |
| Noninterest-bearing deposits | 25,205,000 | 22,643,000 | 31,782,000 | 39,634,000 |
| Equity capital | 25,409,000 | 26,107,000 | 27,224,000 | 27,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,724,000 | 7,442,000 | 11,263,000 | 14,868,000 |
| Interest expense | 1,338,000 | 2,656,000 | 3,878,000 | 4,970,000 |
| Net interest income | 2,386,000 | 4,786,000 | 7,385,000 | 9,898,000 |
| Noninterest income | 451,000 | 948,000 | 1,454,000 | 1,965,000 |
| Noninterest expense | 2,412,000 | 4,734,000 | 7,057,000 | 9,314,000 |
| Provision for loan losses | 90,000 | 212,000 | 400,000 | 521,000 |
| Pretax income | 363,000 | 878,000 | 1,536,000 | 2,170,000 |
| Income tax | 97,000 | 239,000 | 438,000 | 641,000 |
| Net income | 266,000 | 639,000 | 1,098,000 | 1,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,520,000 | 26,862,000 | 27,079,000 | 27,516,000 |
| Total capital | 29,387,000 | 29,752,000 | 29,969,000 | 30,291,000 |
| Risk-weighted assets | 235,233,000 | 232,100,000 | 231,007,000 | 234,011,000 |