Call reports 2004
MCINTOSH STATE BANK — 2004
What MCINTOSH STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 285,644,000 | 300,584,000 | 300,904,000 | 310,996,000 |
| Total loans | 211,217,000 | 222,652,000 | 229,975,000 | 233,583,000 |
| Allowance for loan losses | 3,202,000 | 3,288,000 | 3,352,000 | 2,913,000 |
| Securities available for sale | 49,631,000 | 47,549,000 | 45,849,000 | 46,223,000 |
| Securities held to maturity | 1,390,000 | 1,192,000 | 1,096,000 | 2,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,026,000 | 252,032,000 | 248,525,000 | 257,987,000 |
| Interest-bearing deposits | 215,166,000 | 227,504,000 | 224,384,000 | 231,080,000 |
| Noninterest-bearing deposits | 24,860,000 | 24,528,000 | 24,141,000 | 26,907,000 |
| Equity capital | 26,662,000 | 26,684,000 | 28,198,000 | 28,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,086,000 | 8,359,000 | 12,755,000 | 17,283,000 |
| Interest expense | 1,287,000 | 2,605,000 | 3,989,000 | 5,475,000 |
| Net interest income | 2,799,000 | 5,754,000 | 8,766,000 | 11,808,000 |
| Noninterest income | 719,000 | 1,487,000 | 2,315,000 | 3,016,000 |
| Noninterest expense | 2,161,000 | 4,418,000 | 6,780,000 | 9,108,000 |
| Provision for loan losses | 39,000 | 122,000 | 197,000 | 458,000 |
| Pretax income | 1,333,000 | 2,716,000 | 4,120,000 | 5,279,000 |
| Income tax | 431,000 | 864,000 | 1,301,000 | 1,648,000 |
| Net income | 902,000 | 1,852,000 | 2,819,000 | 3,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,294,000 | 26,243,000 | 27,209,000 | 28,022,000 |
| Total capital | 28,025,000 | 29,156,000 | 30,202,000 | 30,935,000 |
| Risk-weighted assets | 218,186,000 | 232,677,000 | 239,277,000 | 243,854,000 |