Call reports 2025
MCNB BANK AND TRUST CO. — 2025
What MCNB BANK AND TRUST CO. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 358,800,000 | 359,460,000 | 362,916,000 | 362,670,000 |
| Total loans | 258,499,000 | 259,618,000 | 259,453,000 | 252,689,000 |
| Allowance for loan losses | 2,670,000 | 2,735,000 | 2,801,000 | 2,706,000 |
| Securities available for sale | 69,519,000 | 71,369,000 | 75,472,000 | 75,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,596,000 | 303,887,000 | 296,128,000 | 295,240,000 |
| Interest-bearing deposits | 259,125,000 | 257,553,000 | 252,392,000 | 249,341,000 |
| Noninterest-bearing deposits | 45,471,000 | 46,334,000 | 43,736,000 | 45,899,000 |
| Equity capital | 38,082,000 | 38,504,000 | 40,078,000 | 41,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,424,000 | 9,016,000 | 13,629,000 | 18,327,000 |
| Interest expense | 1,868,000 | 3,680,000 | 5,478,000 | 7,182,000 |
| Net interest income | 2,556,000 | 5,336,000 | 8,151,000 | 11,145,000 |
| Noninterest income | 536,000 | 1,137,000 | 1,728,000 | 2,339,000 |
| Noninterest expense | 2,589,000 | 5,187,000 | 7,877,000 | 10,540,000 |
| Provision for loan losses | -6,000 | 62,000 | 131,000 | 37,000 |
| Pretax income | 500,000 | 1,219,000 | 1,884,000 | 2,751,000 |
| Income tax | 92,000 | 230,000 | 343,000 | 519,000 |
| Net income | 408,000 | 989,000 | 1,541,000 | 2,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,572,000 | 42,991,000 | 43,381,000 | 43,910,000 |