Call reports 2006
MACON BANK AND TRUST COMPANY — 2006
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 246,943,000 | 248,949,000 | 253,401,000 | 256,730,000 |
| Total loans | 111,601,000 | 115,964,000 | 123,188,000 | 123,608,000 |
| Allowance for loan losses | 1,707,000 | 1,678,000 | 1,665,000 | 1,652,000 |
| Securities available for sale | 33,416,000 | 36,524,000 | 37,906,000 | 40,806,000 |
| Securities held to maturity | 70,739,000 | 71,196,000 | 69,384,000 | 66,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,443,000 | 219,364,000 | 222,966,000 | 225,755,000 |
| Interest-bearing deposits | 190,497,000 | 191,303,000 | 194,950,000 | 199,032,000 |
| Noninterest-bearing deposits | 26,946,000 | 28,061,000 | 28,016,000 | 26,723,000 |
| Equity capital | 26,679,000 | 26,713,000 | 27,495,000 | 27,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,193,000 | 6,599,000 | 10,178,000 | 13,936,000 |
| Interest expense | 1,355,000 | 2,886,000 | 4,616,000 | 6,520,000 |
| Net interest income | 1,838,000 | 3,713,000 | 5,562,000 | 7,416,000 |
| Noninterest income | 441,000 | 910,000 | 1,405,000 | 1,927,000 |
| Noninterest expense | 1,593,000 | 3,224,000 | 4,867,000 | 6,517,000 |
| Provision for loan losses | 2,000 | 2,000 | 17,000 | 31,000 |
| Pretax income | 634,000 | 1,348,000 | 2,034,000 | 2,746,000 |
| Income tax | 109,000 | 243,000 | 366,000 | 500,000 |
| Net income | 525,000 | 1,105,000 | 1,668,000 | 2,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,270,000 | 26,532,000 | 27,095,000 | 27,225,000 |
| Total capital | 27,885,000 | 28,201,000 | 28,760,000 | 28,877,000 |
| Risk-weighted assets | 129,102,000 | 133,532,000 | 139,292,000 | 141,059,000 |