Call reports 2016
MCINTOSH COUNTY BANK — 2016
What MCINTOSH COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 97,059,000 | 93,352,000 | 91,177,000 | 89,334,000 |
| Total loans | 59,638,000 | 64,319,000 | 63,194,000 | 56,102,000 |
| Allowance for loan losses | 1,248,000 | 1,308,000 | 1,426,000 | 1,595,000 |
| Securities available for sale | 16,185,000 | 15,026,000 | 14,252,000 | 16,009,000 |
| Securities held to maturity | 6,161,000 | 6,063,000 | 6,175,000 | 6,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,574,000 | 75,388,000 | 71,939,000 | 72,464,000 |
| Interest-bearing deposits | 63,688,000 | 61,680,000 | 59,222,000 | 59,106,000 |
| Noninterest-bearing deposits | 15,886,000 | 13,708,000 | 12,717,000 | 13,358,000 |
| Equity capital | 9,744,000 | 10,202,000 | 10,529,000 | 9,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 948,000 | 1,928,000 | 2,926,000 | 3,894,000 |
| Interest expense | 132,000 | 273,000 | 420,000 | 562,000 |
| Net interest income | 816,000 | 1,655,000 | 2,506,000 | 3,332,000 |
| Noninterest income | 94,000 | 185,000 | 279,000 | 446,000 |
| Noninterest expense | 485,000 | 977,000 | 1,484,000 | 2,104,000 |
| Provision for loan losses | 60,000 | 120,000 | 240,000 | 360,000 |
| Pretax income | 365,000 | 762,000 | 1,080,000 | 1,333,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 365,000 | 762,000 | 1,080,000 | 1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,598,000 | 9,996,000 | 10,313,000 | 9,566,000 |
| Total capital | 10,556,000 | 10,966,000 | 11,256,000 | 10,433,000 |
| Risk-weighted assets | 76,365,000 | 77,340,000 | 74,980,000 | 68,605,000 |