Call reports 2007
MACON BANK AND TRUST COMPANY — 2007
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 267,643,000 | 264,127,000 | 266,447,000 | 274,933,000 |
| Total loans | 122,796,000 | 125,760,000 | 126,547,000 | 125,645,000 |
| Allowance for loan losses | 1,671,000 | 1,682,000 | 1,679,000 | 1,672,000 |
| Securities available for sale | 48,047,000 | 51,535,000 | 54,566,000 | 65,021,000 |
| Securities held to maturity | 62,915,000 | 59,246,000 | 58,507,000 | 52,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,190,000 | 232,477,000 | 233,866,000 | 241,601,000 |
| Interest-bearing deposits | 208,720,000 | 205,326,000 | 208,798,000 | 213,069,000 |
| Noninterest-bearing deposits | 27,470,000 | 27,151,000 | 25,068,000 | 28,532,000 |
| Equity capital | 28,296,000 | 28,498,000 | 29,411,000 | 29,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,864,000 | 7,859,000 | 11,911,000 | 16,004,000 |
| Interest expense | 1,948,000 | 3,982,000 | 6,053,000 | 8,163,000 |
| Net interest income | 1,916,000 | 3,877,000 | 5,858,000 | 7,841,000 |
| Noninterest income | 533,000 | 1,085,000 | 1,663,000 | 2,229,000 |
| Noninterest expense | 1,675,000 | 3,388,000 | 5,164,000 | 6,978,000 |
| Provision for loan losses | 23,000 | 64,000 | 124,000 | 164,000 |
| Pretax income | 752,000 | 1,511,000 | 2,234,000 | 2,936,000 |
| Income tax | 144,000 | 292,000 | 427,000 | 552,000 |
| Net income | 608,000 | 1,219,000 | 1,807,000 | 2,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,833,000 | 28,400,000 | 28,988,000 | 29,109,000 |
| Total capital | 29,505,000 | 30,082,000 | 30,667,000 | 30,781,000 |
| Risk-weighted assets | 140,432,000 | 140,882,000 | 141,768,000 | 143,076,000 |