Call reports 2007
MCINTOSH STATE BANK — 2007
What MCINTOSH STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 469,125,000 | 463,678,000 | 456,192,000 | 461,819,000 |
| Total loans | 334,182,000 | 348,725,000 | 356,530,000 | 341,855,000 |
| Allowance for loan losses | 4,747,000 | 4,945,000 | 5,709,000 | 6,956,000 |
| Securities available for sale | 85,034,000 | 78,936,000 | 71,848,000 | 75,850,000 |
| Securities held to maturity | 325,000 | 328,000 | 332,000 | 236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,142,000 | 400,914,000 | 401,273,000 | 407,485,000 |
| Interest-bearing deposits | 369,156,000 | 365,094,000 | 367,112,000 | 375,385,000 |
| Noninterest-bearing deposits | 37,986,000 | 35,820,000 | 34,161,000 | 32,100,000 |
| Equity capital | 36,759,000 | 37,134,000 | 38,279,000 | 38,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,618,000 | 17,524,000 | 26,253,000 | 34,184,000 |
| Interest expense | 3,985,000 | 8,080,000 | 12,317,000 | 16,455,000 |
| Net interest income | 4,633,000 | 9,444,000 | 13,936,000 | 17,729,000 |
| Noninterest income | 932,000 | 1,866,000 | 2,849,000 | 3,686,000 |
| Noninterest expense | 3,807,000 | 7,604,000 | 11,269,000 | 14,427,000 |
| Provision for loan losses | -35,000 | 193,000 | 1,059,000 | 3,324,000 |
| Pretax income | 1,793,000 | 3,517,000 | 4,465,000 | 3,672,000 |
| Income tax | 591,000 | 1,161,000 | 1,464,000 | 1,069,000 |
| Net income | 1,202,000 | 2,356,000 | 3,001,000 | 2,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,237,000 | 37,241,000 | 37,637,000 | 36,963,000 |
| Total capital | 40,794,000 | 41,976,000 | 42,411,000 | 41,629,000 |
| Risk-weighted assets | 364,362,000 | 378,627,000 | 380,972,000 | 371,026,000 |