Call reports 2003
MACON BANK AND TRUST COMPANY — 2003
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 211,192,000 | 210,864,000 | 208,694,000 | 211,406,000 |
| Total loans | 98,305,000 | 97,900,000 | 98,027,000 | 97,785,000 |
| Allowance for loan losses | 1,567,000 | 1,545,000 | 1,573,000 | 1,607,000 |
| Securities available for sale | 42,086,000 | 34,542,000 | 30,382,000 | 28,553,000 |
| Securities held to maturity | 50,164,000 | 62,901,000 | 61,333,000 | 63,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,859,000 | 185,452,000 | 183,141,000 | 185,401,000 |
| Interest-bearing deposits | 163,089,000 | 162,707,000 | 162,298,000 | 163,990,000 |
| Noninterest-bearing deposits | 22,770,000 | 22,745,000 | 20,843,000 | 21,411,000 |
| Equity capital | 22,881,000 | 23,186,000 | 23,374,000 | 23,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,914,000 | 5,734,000 | 8,462,000 | 11,146,000 |
| Interest expense | 956,000 | 1,854,000 | 2,674,000 | 3,455,000 |
| Net interest income | 1,958,000 | 3,880,000 | 5,788,000 | 7,691,000 |
| Noninterest income | 253,000 | 537,000 | 840,000 | 1,182,000 |
| Noninterest expense | 1,396,000 | 2,825,000 | 4,285,000 | 5,756,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 755,000 | 1,497,000 | 2,191,000 | 2,916,000 |
| Income tax | 196,000 | 388,000 | 545,000 | 697,000 |
| Net income | 559,000 | 1,109,000 | 1,646,000 | 2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,077,000 | 21,342,000 | 21,878,000 | 22,046,000 |
| Total capital | 22,495,000 | 22,747,000 | 23,322,000 | 23,476,000 |
| Risk-weighted assets | 113,258,000 | 112,279,000 | 115,409,000 | 114,193,000 |