Call reports 2024
MCNB BANK AND TRUST CO. — 2024
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 362,819,000 | 366,332,000 | 361,867,000 | 360,384,000 |
| Total loans | 270,229,000 | 268,477,000 | 264,513,000 | 262,831,000 |
| Allowance for loan losses | 2,689,000 | 2,758,000 | 2,652,000 | 2,692,000 |
| Securities available for sale | 62,477,000 | 63,462,000 | 66,850,000 | 67,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,715,000 | 301,420,000 | 297,856,000 | 300,627,000 |
| Interest-bearing deposits | 266,386,000 | 263,319,000 | 256,227,000 | 256,770,000 |
| Noninterest-bearing deposits | 37,329,000 | 38,101,000 | 41,629,000 | 43,857,000 |
| Equity capital | 36,731,000 | 36,838,000 | 38,479,000 | 37,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,246,000 | 8,576,000 | 12,973,000 | 17,374,000 |
| Interest expense | 1,969,000 | 4,034,000 | 6,202,000 | 8,281,000 |
| Net interest income | 2,277,000 | 4,542,000 | 6,771,000 | 9,093,000 |
| Noninterest income | 561,000 | 1,294,000 | 1,857,000 | 2,431,000 |
| Noninterest expense | 2,448,000 | 4,889,000 | 7,423,000 | 10,012,000 |
| Provision for loan losses | -80,000 | 115,000 | 139,000 | 181,000 |
| Pretax income | 466,000 | 822,000 | 1,071,000 | 1,301,000 |
| Income tax | 98,000 | 154,000 | 184,000 | 222,000 |
| Net income | 368,000 | 668,000 | 887,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,101,000 | 42,238,000 | 42,296,000 | 42,326,000 |