Call reports 2013
MCINTOSH COUNTY BANK — 2013
What MCINTOSH COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 90,744,000 | 87,792,000 | 84,488,000 | 89,079,000 |
| Total loans | 48,771,000 | 50,216,000 | 53,863,000 | 53,020,000 |
| Allowance for loan losses | 868,000 | 880,000 | 912,000 | 925,000 |
| Securities available for sale | 15,245,000 | 14,770,000 | 14,889,000 | 13,855,000 |
| Securities held to maturity | 6,921,000 | 7,028,000 | 6,954,000 | 6,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,741,000 | 69,680,000 | 67,592,000 | 72,029,000 |
| Interest-bearing deposits | 62,332,000 | 59,786,000 | 58,561,000 | 59,923,000 |
| Noninterest-bearing deposits | 9,409,000 | 9,894,000 | 9,031,000 | 12,106,000 |
| Equity capital | 8,477,000 | 8,592,000 | 8,921,000 | 8,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 827,000 | 1,680,000 | 2,550,000 | 3,444,000 |
| Interest expense | 167,000 | 329,000 | 480,000 | 631,000 |
| Net interest income | 660,000 | 1,351,000 | 2,070,000 | 2,813,000 |
| Noninterest income | 76,000 | 197,000 | 300,000 | 415,000 |
| Noninterest expense | 373,000 | 789,000 | 1,208,000 | 1,742,000 |
| Provision for loan losses | 0 | 40,000 | 70,000 | 100,000 |
| Pretax income | 363,000 | 719,000 | 1,092,000 | 1,406,000 |
| Income tax | 32,000 | 57,000 | 63,000 | 63,000 |
| Net income | 331,000 | 662,000 | 1,029,000 | 1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,125,000 | 8,456,000 | 8,823,000 | 8,187,000 |
| Total capital | 8,920,000 | 9,247,000 | 9,627,000 | 9,000,000 |
| Risk-weighted assets | 63,556,000 | 63,168,000 | 64,277,000 | 64,910,000 |
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