Call reports 2015
MCNB BANK AND TRUST CO. — 2015
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 295,027,000 | 294,545,000 | 294,871,000 | 292,227,000 |
| Total loans | 169,270,000 | 174,388,000 | 176,053,000 | 178,819,000 |
| Allowance for loan losses | 3,285,000 | 3,187,000 | 3,239,000 | 3,121,000 |
| Securities available for sale | 78,437,000 | 80,407,000 | 77,637,000 | 79,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,293,000 | 256,257,000 | 256,349,000 | 249,282,000 |
| Interest-bearing deposits | 224,163,000 | 223,046,000 | 224,314,000 | 221,886,000 |
| Noninterest-bearing deposits | 33,130,000 | 33,211,000 | 32,035,000 | 27,396,000 |
| Equity capital | 29,680,000 | 29,508,000 | 29,902,000 | 29,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,451,000 | 4,976,000 | 7,463,000 | 9,969,000 |
| Interest expense | 446,000 | 893,000 | 1,337,000 | 1,793,000 |
| Net interest income | 2,005,000 | 4,083,000 | 6,126,000 | 8,176,000 |
| Noninterest income | 679,000 | 1,376,000 | 2,125,000 | 2,702,000 |
| Noninterest expense | 2,501,000 | 5,071,000 | 7,493,000 | 10,557,000 |
| Provision for loan losses | 25,000 | 25,000 | 75,000 | 100,000 |
| Pretax income | 157,000 | 363,000 | 678,000 | 225,000 |
| Income tax | 47,000 | 109,000 | 204,000 | -32,000 |
| Net income | 110,000 | 254,000 | 474,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,412,000 | 28,535,000 | 28,750,000 | 28,495,000 |
| Total capital | 31,831,000 | 31,171,000 | 31,399,000 | 31,200,000 |
| Risk-weighted assets | 207,158,000 | 210,311,000 | 211,289,000 | 215,982,000 |