Call reports 2005
MACON BANK AND TRUST COMPANY — 2005
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 230,123,000 | 232,051,000 | 234,288,000 | 238,950,000 |
| Total loans | 102,791,000 | 105,393,000 | 107,345,000 | 110,629,000 |
| Allowance for loan losses | 1,795,000 | 1,755,000 | 1,758,000 | 1,722,000 |
| Securities available for sale | 33,152,000 | 32,587,000 | 33,643,000 | 37,596,000 |
| Securities held to maturity | 67,680,000 | 67,930,000 | 66,851,000 | 64,827,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,017,000 | 203,642,000 | 205,390,000 | 209,781,000 |
| Interest-bearing deposits | 176,070,000 | 176,442,000 | 179,620,000 | 183,382,000 |
| Noninterest-bearing deposits | 25,947,000 | 27,200,000 | 25,770,000 | 26,399,000 |
| Equity capital | 25,616,000 | 25,852,000 | 26,307,000 | 26,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,737,000 | 5,576,000 | 8,530,000 | 11,603,000 |
| Interest expense | 926,000 | 1,945,000 | 3,080,000 | 4,319,000 |
| Net interest income | 1,811,000 | 3,631,000 | 5,450,000 | 7,284,000 |
| Noninterest income | 425,000 | 868,000 | 1,324,000 | 1,776,000 |
| Noninterest expense | 1,513,000 | 3,064,000 | 4,641,000 | 6,240,000 |
| Provision for loan losses | 60,000 | 120,000 | 140,000 | 140,000 |
| Pretax income | 663,000 | 1,316,000 | 1,996,000 | 2,683,000 |
| Income tax | 126,000 | 246,000 | 372,000 | 518,000 |
| Net income | 537,000 | 1,070,000 | 1,624,000 | 2,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,873,000 | 25,090,000 | 25,645,000 | 25,750,000 |
| Total capital | 26,368,000 | 26,613,000 | 27,183,000 | 27,340,000 |
| Risk-weighted assets | 119,335,000 | 121,613,000 | 122,858,000 | 127,047,000 |