Call reports 2009
MCINTOSH STATE BANK — 2009
What MCINTOSH STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 443,871,000 | 426,231,000 | 419,381,000 | 408,844,000 |
| Total loans | 311,062,000 | 304,232,000 | 297,850,000 | 277,017,000 |
| Allowance for loan losses | 7,484,000 | 8,201,000 | 9,701,000 | 7,644,000 |
| Securities available for sale | 65,430,000 | 62,101,000 | 55,991,000 | 62,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,938,000 | 377,120,000 | 373,332,000 | 371,852,000 |
| Interest-bearing deposits | 360,877,000 | 344,786,000 | 342,568,000 | 341,979,000 |
| Noninterest-bearing deposits | 32,061,000 | 32,334,000 | 30,764,000 | 29,873,000 |
| Equity capital | 32,559,000 | 30,601,000 | 28,329,000 | 19,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,572,000 | 10,716,000 | 15,747,000 | 20,039,000 |
| Interest expense | 2,761,000 | 5,390,000 | 7,638,000 | 9,663,000 |
| Net interest income | 2,811,000 | 5,326,000 | 8,109,000 | 10,376,000 |
| Noninterest income | 748,000 | 1,285,000 | 578,000 | 614,000 |
| Noninterest expense | 2,538,000 | 6,104,000 | 9,301,000 | 13,760,000 |
| Provision for loan losses | 556,000 | 2,726,000 | 5,681,000 | 9,630,000 |
| Pretax income | -1,242,000 | -3,924,000 | -6,920,000 | -13,025,000 |
| Income tax | 153,000 | -877,000 | -2,224,000 | 220,000 |
| Net income | -1,395,000 | -3,047,000 | -4,696,000 | -13,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,744,000 | 26,934,000 | 21,850,000 | 19,364,000 |
| Total capital | 33,069,000 | 31,035,000 | 25,738,000 | 23,102,000 |
| Risk-weighted assets | 342,837,000 | 323,970,000 | 305,265,000 | 295,161,000 |