Call reports 2022
MCNB BANK AND TRUST CO. — 2022
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 349,736,000 | 350,339,000 | 355,012,000 | 358,470,000 |
| Total loans | 247,393,000 | 239,808,000 | 254,996,000 | 260,575,000 |
| Allowance for loan losses | 2,756,000 | 2,695,000 | 2,774,000 | 3,078,000 |
| Securities available for sale | 61,515,000 | 60,700,000 | 63,529,000 | 64,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,760,000 | 303,013,000 | 303,132,000 | 304,606,000 |
| Interest-bearing deposits | 262,528,000 | 257,079,000 | 259,148,000 | 264,520,000 |
| Noninterest-bearing deposits | 39,232,000 | 45,934,000 | 43,984,000 | 40,086,000 |
| Equity capital | 36,546,000 | 35,183,000 | 33,275,000 | 34,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,033,000 | 6,193,000 | 9,515,000 | 13,132,000 |
| Interest expense | 254,000 | 612,000 | 1,255,000 | 2,458,000 |
| Net interest income | 2,779,000 | 5,581,000 | 8,260,000 | 10,674,000 |
| Noninterest income | 715,000 | 1,477,000 | 1,958,000 | 3,067,000 |
| Noninterest expense | 2,436,000 | 4,752,000 | 7,279,000 | 9,835,000 |
| Provision for loan losses | 75,000 | 15,000 | 250,000 | 560,000 |
| Pretax income | 938,000 | 2,218,000 | 2,585,000 | 3,245,000 |
| Income tax | 213,000 | 556,000 | 647,000 | 677,000 |
| Net income | 725,000 | 1,662,000 | 1,938,000 | 2,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,757,000 | 40,532,000 | 40,646,000 | 41,114,000 |