Call reports 2010
MCINTOSH STATE BANK — 2010
What MCINTOSH STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 393,546,000 | 378,866,000 | 348,552,000 | 339,819,000 |
| Total loans | 259,558,000 | 250,695,000 | 242,773,000 | 230,013,000 |
| Allowance for loan losses | 12,004,000 | 11,922,000 | 10,104,000 | 7,925,000 |
| Securities available for sale | 57,659,000 | 53,821,000 | 44,150,000 | 38,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,499,000 | 353,580,000 | 325,482,000 | 321,314,000 |
| Interest-bearing deposits | 335,230,000 | 320,850,000 | 294,881,000 | 290,138,000 |
| Noninterest-bearing deposits | 32,269,000 | 32,730,000 | 30,601,000 | 31,176,000 |
| Equity capital | 11,870,000 | 10,401,000 | 8,993,000 | 5,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,946,000 | 7,582,000 | 11,108,000 | 14,290,000 |
| Interest expense | 1,793,000 | 3,509,000 | 5,066,000 | 6,467,000 |
| Net interest income | 2,153,000 | 4,073,000 | 6,042,000 | 7,823,000 |
| Noninterest income | 184,000 | 1,051,000 | 1,846,000 | 1,379,000 |
| Noninterest expense | 3,527,000 | 7,154,000 | 10,863,000 | 13,785,000 |
| Provision for loan losses | 6,730,000 | 7,550,000 | 8,252,000 | 9,971,000 |
| Pretax income | -7,920,000 | -9,008,000 | -10,631,000 | -13,958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -7,920,000 | -9,008,000 | -10,631,000 | -13,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,445,000 | 10,356,000 | 8,734,000 | 5,407,000 |
| Total capital | 15,034,000 | 13,785,000 | 11,960,000 | 8,516,000 |
| Risk-weighted assets | 278,653,000 | 265,859,000 | 251,202,000 | 243,878,000 |