Call reports 2012
MCNB BANK AND TRUST CO. — 2012
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 325,753,000 | 321,471,000 | 319,927,000 | 310,469,000 |
| Total loans | 207,344,000 | 209,744,000 | 204,543,000 | 200,392,000 |
| Allowance for loan losses | 2,899,000 | 3,030,000 | 3,152,000 | 2,735,000 |
| Securities available for sale | 73,423,000 | 75,901,000 | 71,425,000 | 69,435,000 |
| Securities held to maturity | 3,815,000 | 3,749,000 | 3,693,000 | 3,638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,479,000 | 284,663,000 | 282,614,000 | 273,109,000 |
| Interest-bearing deposits | 256,821,000 | 249,562,000 | 248,813,000 | 241,122,000 |
| Noninterest-bearing deposits | 32,658,000 | 35,101,000 | 33,801,000 | 31,987,000 |
| Equity capital | 28,088,000 | 28,621,000 | 29,135,000 | 29,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,507,000 | 6,963,000 | 10,389,000 | 13,654,000 |
| Interest expense | 963,000 | 1,870,000 | 2,734,000 | 3,514,000 |
| Net interest income | 2,544,000 | 5,093,000 | 7,655,000 | 10,140,000 |
| Noninterest income | 601,000 | 1,064,000 | 1,666,000 | 2,305,000 |
| Noninterest expense | 2,431,000 | 4,713,000 | 7,060,000 | 9,470,000 |
| Provision for loan losses | 120,000 | 200,000 | 320,000 | 522,000 |
| Pretax income | 609,000 | 1,282,000 | 1,989,000 | 2,558,000 |
| Income tax | 176,000 | 392,000 | 620,000 | 830,000 |
| Net income | 433,000 | 890,000 | 1,369,000 | 1,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,942,000 | 28,397,000 | 28,756,000 | 28,971,000 |
| Total capital | 30,838,000 | 31,303,000 | 31,654,000 | 31,706,000 |
| Risk-weighted assets | 231,198,000 | 232,317,000 | 231,602,000 | 227,510,000 |