Call reports 2014
MCNB BANK AND TRUST CO. — 2014
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 304,340,000 | 302,308,000 | 300,034,000 | 296,308,000 |
| Total loans | 181,980,000 | 183,907,000 | 181,255,000 | 167,798,000 |
| Allowance for loan losses | 3,151,000 | 3,271,000 | 3,371,000 | 3,064,000 |
| Securities available for sale | 74,559,000 | 65,819,000 | 66,375,000 | 68,509,000 |
| Securities held to maturity | 2,447,000 | 2,420,000 | 140,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,081,000 | 263,419,000 | 261,086,000 | 258,402,000 |
| Interest-bearing deposits | 231,598,000 | 229,177,000 | 228,842,000 | 226,700,000 |
| Noninterest-bearing deposits | 34,483,000 | 34,242,000 | 32,244,000 | 31,702,000 |
| Equity capital | 30,322,000 | 30,927,000 | 31,381,000 | 29,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,747,000 | 5,437,000 | 8,078,000 | 10,729,000 |
| Interest expense | 504,000 | 983,000 | 1,465,000 | 1,937,000 |
| Net interest income | 2,243,000 | 4,454,000 | 6,613,000 | 8,792,000 |
| Noninterest income | 625,000 | 1,297,000 | 1,940,000 | 2,608,000 |
| Noninterest expense | 2,642,000 | 5,159,000 | 7,633,000 | 10,253,000 |
| Provision for loan losses | 150,000 | 275,000 | 375,000 | 475,000 |
| Pretax income | 111,000 | 384,000 | 734,000 | 896,000 |
| Income tax | 0 | 45,000 | 117,000 | 188,000 |
| Net income | 111,000 | 339,000 | 617,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,765,000 | 31,027,000 | 31,304,000 | 29,375,000 |
| Total capital | 33,343,000 | 33,652,000 | 34,003,000 | 31,926,000 |
| Risk-weighted assets | 206,541,000 | 215,006,000 | 215,255,000 | 206,556,000 |