Call reports 2021
MCNB BANK AND TRUST CO. — 2021
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 332,357,000 | 339,057,000 | 345,437,000 | 349,176,000 |
| Total loans | 239,402,000 | 235,371,000 | 224,787,000 | 232,830,000 |
| Allowance for loan losses | 3,116,000 | 3,069,000 | 2,869,000 | 2,691,000 |
| Securities available for sale | 44,413,000 | 51,803,000 | 59,275,000 | 56,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,399,000 | 289,576,000 | 294,925,000 | 298,965,000 |
| Interest-bearing deposits | 248,738,000 | 252,892,000 | 255,436,000 | 258,321,000 |
| Noninterest-bearing deposits | 34,661,000 | 36,684,000 | 39,489,000 | 40,644,000 |
| Equity capital | 36,882,000 | 37,891,000 | 38,909,000 | 38,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,052,000 | 6,360,000 | 9,439,000 | 12,373,000 |
| Interest expense | 299,000 | 574,000 | 842,000 | 1,096,000 |
| Net interest income | 2,753,000 | 5,786,000 | 8,597,000 | 11,277,000 |
| Noninterest income | 710,000 | 1,389,000 | 2,157,000 | 1,826,000 |
| Noninterest expense | 2,298,000 | 4,697,000 | 7,017,000 | 9,475,000 |
| Provision for loan losses | 225,000 | 175,000 | -25,000 | -160,000 |
| Pretax income | 984,000 | 2,407,000 | 3,906,000 | 3,803,000 |
| Income tax | 228,000 | 616,000 | 845,000 | 574,000 |
| Net income | 756,000 | 1,791,000 | 3,061,000 | 3,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,368,000 | 38,241,000 | 39,349,000 | 39,194,000 |