Call reports 2013
MCNB BANK AND TRUST CO. — 2013
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 312,613,000 | 311,360,000 | 310,331,000 | 303,440,000 |
| Total loans | 203,531,000 | 200,266,000 | 189,182,000 | 187,609,000 |
| Allowance for loan losses | 2,767,000 | 2,897,000 | 3,034,000 | 3,162,000 |
| Securities available for sale | 70,624,000 | 71,729,000 | 76,440,000 | 75,407,000 |
| Securities held to maturity | 3,586,000 | 2,549,000 | 2,508,000 | 2,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,006,000 | 274,498,000 | 273,485,000 | 266,522,000 |
| Interest-bearing deposits | 245,044,000 | 241,801,000 | 241,031,000 | 233,981,000 |
| Noninterest-bearing deposits | 29,962,000 | 32,697,000 | 32,454,000 | 32,541,000 |
| Equity capital | 29,471,000 | 28,589,000 | 28,740,000 | 28,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,123,000 | 6,199,000 | 9,089,000 | 12,171,000 |
| Interest expense | 704,000 | 1,388,000 | 1,976,000 | 2,536,000 |
| Net interest income | 2,419,000 | 4,811,000 | 7,113,000 | 9,635,000 |
| Noninterest income | 580,000 | 1,143,000 | 1,667,000 | 2,309,000 |
| Noninterest expense | 2,327,000 | 4,659,000 | 7,006,000 | 9,526,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 552,000 | 1,054,000 | 1,398,000 | 1,935,000 |
| Income tax | 162,000 | 302,000 | 387,000 | 474,000 |
| Net income | 390,000 | 752,000 | 1,011,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,223,000 | 29,400,000 | 29,526,000 | 29,836,000 |
| Total capital | 31,949,000 | 32,141,000 | 32,136,000 | 32,406,000 |
| Risk-weighted assets | 218,001,000 | 219,127,000 | 210,045,000 | 205,910,000 |