Call reports 2012
MCINTOSH COUNTY BANK — 2012
What MCINTOSH COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 89,023,000 | 83,630,000 | 85,225,000 | 86,851,000 |
| Total loans | 45,475,000 | 51,644,000 | 53,188,000 | 52,174,000 |
| Allowance for loan losses | 953,000 | 893,000 | 898,000 | 915,000 |
| Securities available for sale | 20,431,000 | 17,826,000 | 16,213,000 | 14,456,000 |
| Securities held to maturity | 6,801,000 | 6,065,000 | 6,707,000 | 6,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,298,000 | 65,531,000 | 63,500,000 | 68,044,000 |
| Interest-bearing deposits | 60,491,000 | 57,100,000 | 54,349,000 | 57,534,000 |
| Noninterest-bearing deposits | 10,807,000 | 8,431,000 | 9,151,000 | 10,510,000 |
| Equity capital | 8,182,000 | 8,516,000 | 9,065,000 | 8,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 887,000 | 1,778,000 | 2,706,000 | 3,598,000 |
| Interest expense | 202,000 | 401,000 | 592,000 | 763,000 |
| Net interest income | 685,000 | 1,377,000 | 2,114,000 | 2,835,000 |
| Noninterest income | 93,000 | 178,000 | 322,000 | 435,000 |
| Noninterest expense | 393,000 | 783,000 | 1,183,000 | 1,703,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 385,000 | 828,000 | 1,309,000 | 1,523,000 |
| Income tax | 32,000 | 64,000 | 98,000 | 116,000 |
| Net income | 353,000 | 764,000 | 1,211,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,689,000 | 8,100,000 | 8,547,000 | 7,794,000 |
| Total capital | 8,446,000 | 8,881,000 | 9,339,000 | 8,581,000 |
| Risk-weighted assets | 60,377,000 | 62,339,000 | 63,219,000 | 62,871,000 |