Call reports 2018
MCNB BANK AND TRUST CO. — 2018
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 295,097,000 | 293,015,000 | 294,585,000 | 294,188,000 |
| Total loans | 195,848,000 | 195,131,000 | 192,447,000 | 196,405,000 |
| Allowance for loan losses | 2,923,000 | 2,928,000 | 3,128,000 | 3,036,000 |
| Securities available for sale | 63,330,000 | 62,051,000 | 59,859,000 | 53,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,125,000 | 249,874,000 | 251,781,000 | 249,325,000 |
| Interest-bearing deposits | 225,221,000 | 223,627,000 | 227,020,000 | 224,877,000 |
| Noninterest-bearing deposits | 26,904,000 | 26,247,000 | 24,761,000 | 24,448,000 |
| Equity capital | 29,901,000 | 30,434,000 | 30,538,000 | 31,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,823,000 | 5,814,000 | 8,893,000 | 12,065,000 |
| Interest expense | 496,000 | 1,038,000 | 1,651,000 | 2,338,000 |
| Net interest income | 2,327,000 | 4,776,000 | 7,242,000 | 9,727,000 |
| Noninterest income | 780,000 | 1,882,000 | 2,697,000 | 3,468,000 |
| Noninterest expense | 2,722,000 | 5,342,000 | 7,696,000 | 10,210,000 |
| Provision for loan losses | 44,000 | 88,000 | 298,000 | 448,000 |
| Pretax income | 341,000 | 1,228,000 | 2,009,000 | 2,500,000 |
| Income tax | -67,000 | 45,000 | 223,000 | 311,000 |
| Net income | 408,000 | 1,183,000 | 1,786,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,121,000 | 31,695,000 | 32,131,000 | 32,375,000 |
| Total capital | 33,887,000 | 34,442,000 | 34,863,000 | 35,117,000 |
| Risk-weighted assets | 221,130,000 | 219,546,000 | 218,310,000 | 219,038,000 |