Call reports 2020
MCNB BANK AND TRUST CO. — 2020
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 306,897,000 | 322,931,000 | 322,668,000 | 321,845,000 |
| Total loans | 215,409,000 | 223,143,000 | 225,689,000 | 225,577,000 |
| Allowance for loan losses | 3,288,000 | 3,675,000 | 3,878,000 | 3,056,000 |
| Securities available for sale | 34,868,000 | 32,434,000 | 42,662,000 | 46,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,502,000 | 274,560,000 | 274,359,000 | 273,302,000 |
| Interest-bearing deposits | 232,599,000 | 240,339,000 | 240,931,000 | 239,161,000 |
| Noninterest-bearing deposits | 26,903,000 | 34,221,000 | 33,428,000 | 34,141,000 |
| Equity capital | 35,020,000 | 35,694,000 | 36,104,000 | 36,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,108,000 | 6,066,000 | 9,063,000 | 12,185,000 |
| Interest expense | 639,000 | 1,081,000 | 1,493,000 | 1,855,000 |
| Net interest income | 2,469,000 | 4,985,000 | 7,570,000 | 10,330,000 |
| Noninterest income | 668,000 | 1,361,000 | 2,124,000 | 2,196,000 |
| Noninterest expense | 2,469,000 | 5,060,000 | 7,514,000 | 9,996,000 |
| Provision for loan losses | 55,000 | 805,000 | 1,010,000 | 320,000 |
| Pretax income | 650,000 | 1,150,000 | 1,922,000 | 3,007,000 |
| Income tax | 116,000 | 193,000 | 342,000 | 607,000 |
| Net income | 534,000 | 957,000 | 1,580,000 | 2,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,394,000 | 35,655,000 | 36,116,000 | 36,774,000 |