Call reports 2023
MCNB BANK AND TRUST CO. — 2023
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 361,605,000 | 359,006,000 | 360,225,000 | 360,724,000 |
| Total loans | 268,673,000 | 267,803,000 | 271,423,000 | 270,527,000 |
| Allowance for loan losses | 2,419,000 | 2,423,000 | 2,602,000 | 2,787,000 |
| Securities available for sale | 59,763,000 | 58,596,000 | 57,976,000 | 61,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,982,000 | 299,550,000 | 293,926,000 | 294,177,000 |
| Interest-bearing deposits | 265,805,000 | 257,933,000 | 256,718,000 | 258,857,000 |
| Noninterest-bearing deposits | 40,177,000 | 41,617,000 | 37,208,000 | 35,320,000 |
| Equity capital | 36,081,000 | 35,633,000 | 34,491,000 | 36,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,698,000 | 7,622,000 | 11,636,000 | 15,804,000 |
| Interest expense | 1,439,000 | 3,005,000 | 4,726,000 | 6,649,000 |
| Net interest income | 2,259,000 | 4,617,000 | 6,910,000 | 9,155,000 |
| Noninterest income | 655,000 | 1,222,000 | 1,832,000 | 2,427,000 |
| Noninterest expense | 2,505,000 | 4,848,000 | 7,160,000 | 9,633,000 |
| Provision for loan losses | -159,000 | -159,000 | 23,000 | 205,000 |
| Pretax income | 535,000 | 1,113,000 | 1,488,000 | 1,785,000 |
| Income tax | 128,000 | 245,000 | 292,000 | 353,000 |
| Net income | 407,000 | 868,000 | 1,196,000 | 1,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,181,000 | 41,586,000 | 41,821,000 | 41,895,000 |