Call reports 2016
MCNB BANK AND TRUST CO. — 2016
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 295,857,000 | 292,731,000 | 293,997,000 | 293,649,000 |
| Total loans | 179,890,000 | 179,433,000 | 186,815,000 | 192,705,000 |
| Allowance for loan losses | 3,104,000 | 2,926,000 | 2,916,000 | 2,936,000 |
| Securities available for sale | 77,390,000 | 72,110,000 | 70,223,000 | 67,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,769,000 | 249,558,000 | 247,893,000 | 246,760,000 |
| Interest-bearing deposits | 225,468,000 | 221,574,000 | 221,562,000 | 219,353,000 |
| Noninterest-bearing deposits | 28,301,000 | 27,984,000 | 26,331,000 | 27,407,000 |
| Equity capital | 29,563,000 | 30,301,000 | 30,448,000 | 29,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,514,000 | 4,972,000 | 7,520,000 | 10,065,000 |
| Interest expense | 462,000 | 915,000 | 1,373,000 | 1,817,000 |
| Net interest income | 2,052,000 | 4,057,000 | 6,147,000 | 8,248,000 |
| Noninterest income | 695,000 | 1,403,000 | 2,110,000 | 2,933,000 |
| Noninterest expense | 3,136,000 | 5,311,000 | 7,701,000 | 10,119,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | -444,000 | 44,000 | 430,000 | 857,000 |
| Income tax | -215,000 | -70,000 | -39,000 | 3,000 |
| Net income | -229,000 | 114,000 | 469,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,272,000 | 29,617,000 | 29,970,000 | 30,334,000 |
| Total capital | 32,015,000 | 32,391,000 | 32,771,000 | 33,203,000 |
| Risk-weighted assets | 219,081,000 | 221,774,000 | 223,980,000 | 229,462,000 |