Call reports 2002
MACON BANK AND TRUST COMPANY — 2002
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 205,368,000 | 203,960,000 | 203,002,000 | 203,971,000 |
| Total loans | 93,517,000 | 94,507,000 | 97,896,000 | 98,896,000 |
| Allowance for loan losses | 1,453,000 | 1,486,000 | 1,520,000 | 1,518,000 |
| Securities available for sale | 66,887,000 | 64,046,000 | 57,164,000 | 46,835,000 |
| Securities held to maturity | 21,872,000 | 28,174,000 | 33,022,000 | 42,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,448,000 | 180,596,000 | 178,529,000 | 179,373,000 |
| Interest-bearing deposits | 161,868,000 | 158,072,000 | 158,422,000 | 158,551,000 |
| Noninterest-bearing deposits | 21,580,000 | 22,524,000 | 20,107,000 | 20,822,000 |
| Equity capital | 20,908,000 | 22,164,000 | 23,126,000 | 23,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,132,000 | 6,246,000 | 9,315,000 | 12,303,000 |
| Interest expense | 1,174,000 | 2,250,000 | 3,329,000 | 4,372,000 |
| Net interest income | 1,958,000 | 3,996,000 | 5,986,000 | 7,931,000 |
| Noninterest income | 275,000 | 600,000 | 856,000 | 1,140,000 |
| Noninterest expense | 1,327,000 | 2,672,000 | 4,047,000 | 5,464,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 250,000 |
| Pretax income | 854,000 | 1,812,000 | 2,714,000 | 3,508,000 |
| Income tax | 240,000 | 515,000 | 775,000 | 1,015,000 |
| Net income | 614,000 | 1,297,000 | 1,939,000 | 2,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,902,000 | 20,538,000 | 21,194,000 | 21,346,000 |
| Total capital | 21,291,000 | 21,933,000 | 22,606,000 | 22,753,000 |
| Risk-weighted assets | 111,037,000 | 111,483,000 | 112,842,000 | 112,467,000 |