Call reports 2005
MCINTOSH STATE BANK — 2005
What MCINTOSH STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 327,747,000 | 337,154,000 | 358,682,000 | 376,267,000 |
| Total loans | 242,560,000 | 255,825,000 | 271,347,000 | 282,985,000 |
| Allowance for loan losses | 3,069,000 | 3,708,000 | 3,919,000 | 4,077,000 |
| Securities available for sale | 51,345,000 | 52,372,000 | 51,460,000 | 53,127,000 |
| Securities held to maturity | 703,000 | 706,000 | 609,000 | 512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,088,000 | 274,495,000 | 296,471,000 | 315,779,000 |
| Interest-bearing deposits | 242,989,000 | 246,988,000 | 266,176,000 | 286,018,000 |
| Noninterest-bearing deposits | 27,099,000 | 27,507,000 | 30,295,000 | 29,761,000 |
| Equity capital | 28,584,000 | 29,505,000 | 30,438,000 | 31,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,760,000 | 10,116,000 | 15,976,000 | 22,328,000 |
| Interest expense | 1,603,000 | 3,392,000 | 5,409,000 | 7,706,000 |
| Net interest income | 3,157,000 | 6,724,000 | 10,567,000 | 14,622,000 |
| Noninterest income | 707,000 | 1,591,000 | 2,513,000 | 3,628,000 |
| Noninterest expense | 2,686,000 | 5,532,000 | 8,539,000 | 11,801,000 |
| Provision for loan losses | 159,000 | 549,000 | 803,000 | 1,240,000 |
| Pretax income | 1,023,000 | 2,238,000 | 3,742,000 | 5,213,000 |
| Income tax | 308,000 | 683,000 | 1,159,000 | 1,564,000 |
| Net income | 715,000 | 1,555,000 | 2,583,000 | 3,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,062,000 | 28,903,000 | 29,930,000 | 30,996,000 |
| Total capital | 31,131,000 | 32,252,000 | 33,471,000 | 34,897,000 |
| Risk-weighted assets | 255,863,000 | 267,583,000 | 283,473,000 | 311,908,000 |