Call reports 2015
MCINTOSH COUNTY BANK — 2015
What MCINTOSH COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,708,000 | 91,816,000 | 92,474,000 | 93,338,000 |
| Total loans | 56,238,000 | 61,340,000 | 62,256,000 | 57,853,000 |
| Allowance for loan losses | 1,103,000 | 1,134,000 | 1,170,000 | 1,185,000 |
| Securities available for sale | 16,254,000 | 17,657,000 | 16,833,000 | 16,011,000 |
| Securities held to maturity | 6,394,000 | 6,463,000 | 6,538,000 | 6,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,052,000 | 76,824,000 | 72,522,000 | 75,177,000 |
| Interest-bearing deposits | 64,483,000 | 64,465,000 | 61,569,000 | 60,982,000 |
| Noninterest-bearing deposits | 13,569,000 | 12,359,000 | 10,953,000 | 14,195,000 |
| Equity capital | 9,374,000 | 9,676,000 | 10,193,000 | 9,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 915,000 | 1,921,000 | 2,927,000 | 3,912,000 |
| Interest expense | 123,000 | 254,000 | 382,000 | 517,000 |
| Net interest income | 792,000 | 1,667,000 | 2,545,000 | 3,395,000 |
| Noninterest income | 109,000 | 192,000 | 335,000 | 451,000 |
| Noninterest expense | 471,000 | 941,000 | 1,423,000 | 2,009,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 400,000 | 883,000 | 1,392,000 | 1,742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 400,000 | 883,000 | 1,392,000 | 1,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,065,000 | 9,548,000 | 10,057,000 | 9,233,000 |
| Total capital | 9,948,000 | 10,452,000 | 10,978,000 | 10,122,000 |
| Risk-weighted assets | 70,464,000 | 72,119,000 | 73,425,000 | 70,896,000 |