Call reports 2008
MCINTOSH STATE BANK — 2008
What MCINTOSH STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 460,485,000 | 451,525,000 | 451,474,000 | 450,122,000 |
| Total loans | 340,918,000 | 343,731,000 | 330,456,000 | 324,331,000 |
| Allowance for loan losses | 5,835,000 | 9,482,000 | 12,896,000 | 8,517,000 |
| Securities available for sale | 75,169,000 | 66,867,000 | 70,442,000 | 70,656,000 |
| Securities held to maturity | 235,000 | 235,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,193,000 | 389,884,000 | 397,531,000 | 395,827,000 |
| Interest-bearing deposits | 367,934,000 | 353,797,000 | 364,728,000 | 363,381,000 |
| Noninterest-bearing deposits | 37,259,000 | 36,087,000 | 32,803,000 | 32,446,000 |
| Equity capital | 39,004,000 | 36,711,000 | 33,660,000 | 33,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,415,000 | 14,030,000 | 20,183,000 | 25,931,000 |
| Interest expense | 3,683,000 | 6,842,000 | 10,012,000 | 13,016,000 |
| Net interest income | 3,732,000 | 7,188,000 | 10,171,000 | 12,915,000 |
| Noninterest income | 862,000 | 1,698,000 | 2,387,000 | 2,588,000 |
| Noninterest expense | 3,871,000 | 7,502,000 | 11,094,000 | 14,543,000 |
| Provision for loan losses | 887,000 | 4,858,000 | 11,205,000 | 15,948,000 |
| Pretax income | 553,000 | -1,290,000 | -7,557,000 | -12,804,000 |
| Income tax | 131,000 | -445,000 | -3,114,000 | -4,950,000 |
| Net income | 422,000 | -845,000 | -4,443,000 | -7,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,385,000 | 36,116,000 | 32,520,000 | 29,701,000 |
| Total capital | 42,056,000 | 40,782,000 | 37,098,000 | 34,118,000 |
| Risk-weighted assets | 372,522,000 | 368,456,000 | 357,908,000 | 356,773,000 |