Call reports 2004
MACON BANK AND TRUST COMPANY — 2004
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 214,417,000 | 214,696,000 | 218,412,000 | 221,536,000 |
| Total loans | 95,293,000 | 102,758,000 | 103,815,000 | 103,239,000 |
| Allowance for loan losses | 1,644,000 | 1,691,000 | 1,733,000 | 1,753,000 |
| Securities available for sale | 29,360,000 | 31,042,000 | 31,652,000 | 32,775,000 |
| Securities held to maturity | 63,107,000 | 60,800,000 | 59,000,000 | 62,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,094,000 | 188,272,000 | 191,284,000 | 193,444,000 |
| Interest-bearing deposits | 165,332,000 | 164,156,000 | 165,144,000 | 171,338,000 |
| Noninterest-bearing deposits | 22,762,000 | 24,116,000 | 26,140,000 | 22,106,000 |
| Equity capital | 24,111,000 | 24,025,000 | 24,792,000 | 25,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,651,000 | 5,293,000 | 7,961,000 | 10,657,000 |
| Interest expense | 761,000 | 1,523,000 | 2,318,000 | 3,172,000 |
| Net interest income | 1,890,000 | 3,770,000 | 5,643,000 | 7,485,000 |
| Noninterest income | 356,000 | 723,000 | 1,082,000 | 2,127,000 |
| Noninterest expense | 1,490,000 | 2,978,000 | 4,505,000 | 6,103,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 710,000 | 1,418,000 | 2,063,000 | 3,295,000 |
| Income tax | 139,000 | 280,000 | 398,000 | 518,000 |
| Net income | 571,000 | 1,138,000 | 1,665,000 | 2,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,617,000 | 23,117,000 | 23,644,000 | 24,336,000 |
| Total capital | 24,027,000 | 24,579,000 | 25,127,000 | 25,813,000 |
| Risk-weighted assets | 112,527,000 | 116,738,000 | 118,408,000 | 117,912,000 |