Call reports 2019
MCNB BANK AND TRUST CO. — 2019
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 297,727,000 | 297,161,000 | 297,796,000 | 301,427,000 |
| Total loans | 202,310,000 | 206,766,000 | 212,216,000 | 209,549,000 |
| Allowance for loan losses | 3,036,000 | 3,051,000 | 3,192,000 | 3,270,000 |
| Securities available for sale | 54,481,000 | 46,097,000 | 43,883,000 | 41,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,297,000 | 252,036,000 | 251,969,000 | 255,631,000 |
| Interest-bearing deposits | 225,752,000 | 225,214,000 | 226,861,000 | 229,132,000 |
| Noninterest-bearing deposits | 27,545,000 | 26,822,000 | 25,108,000 | 26,499,000 |
| Equity capital | 32,401,000 | 33,159,000 | 33,742,000 | 33,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,191,000 | 6,430,000 | 9,715,000 | 12,975,000 |
| Interest expense | 710,000 | 1,445,000 | 2,178,000 | 2,861,000 |
| Net interest income | 2,481,000 | 4,985,000 | 7,537,000 | 10,114,000 |
| Noninterest income | 800,000 | 1,235,000 | 1,911,000 | 2,658,000 |
| Noninterest expense | 2,302,000 | 4,607,000 | 6,925,000 | 9,484,000 |
| Provision for loan losses | 155,000 | 290,000 | 475,000 | 640,000 |
| Pretax income | 840,000 | 1,357,000 | 2,162,000 | 2,757,000 |
| Income tax | 178,000 | 145,000 | 343,000 | 473,000 |
| Net income | 662,000 | 1,212,000 | 1,819,000 | 2,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,036,000 | 33,424,000 | 33,869,000 | 34,172,000 |
| Total capital | 35,826,000 | 36,242,000 | 36,696,000 | 36,962,000 |
| Risk-weighted assets | 222,937,000 | 225,222,000 | 225,803,000 | 222,744,000 |