Call reports 2006
MCINTOSH STATE BANK — 2006
What MCINTOSH STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 392,724,000 | 414,944,000 | 446,291,000 | 460,680,000 |
| Total loans | 300,687,000 | 316,813,000 | 327,274,000 | 328,877,000 |
| Allowance for loan losses | 4,264,000 | 4,559,000 | 4,701,000 | 4,662,000 |
| Securities available for sale | 58,102,000 | 56,702,000 | 67,307,000 | 84,960,000 |
| Securities held to maturity | 413,000 | 316,000 | 320,000 | 323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,912,000 | 358,291,000 | 387,378,000 | 399,767,000 |
| Interest-bearing deposits | 299,014,000 | 324,663,000 | 350,811,000 | 362,800,000 |
| Noninterest-bearing deposits | 32,898,000 | 33,628,000 | 36,567,000 | 36,967,000 |
| Equity capital | 31,522,000 | 32,583,000 | 34,330,000 | 35,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,889,000 | 14,431,000 | 22,844,000 | 31,486,000 |
| Interest expense | 2,632,000 | 5,592,000 | 9,226,000 | 13,173,000 |
| Net interest income | 4,257,000 | 8,839,000 | 13,618,000 | 18,313,000 |
| Noninterest income | 885,000 | 1,810,000 | 2,784,000 | 3,706,000 |
| Noninterest expense | 3,199,000 | 6,452,000 | 9,984,000 | 13,675,000 |
| Provision for loan losses | 170,000 | 523,000 | 664,000 | 778,000 |
| Pretax income | 1,785,000 | 3,686,000 | 5,766,000 | 7,580,000 |
| Income tax | 591,000 | 1,232,000 | 1,893,000 | 2,516,000 |
| Net income | 1,194,000 | 2,454,000 | 3,873,000 | 5,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,441,000 | 32,700,000 | 34,119,000 | 35,260,000 |
| Total capital | 35,437,000 | 36,864,000 | 38,516,000 | 39,743,000 |
| Risk-weighted assets | 320,246,000 | 331,934,000 | 350,668,000 | 358,466,000 |