Call reports 2008
MACON BANK AND TRUST COMPANY — 2008
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 292,766,000 | 285,169,000 | 282,710,000 | 285,796,000 |
| Total loans | 121,586,000 | 120,575,000 | 123,653,000 | 126,756,000 |
| Allowance for loan losses | 1,677,000 | 1,664,000 | 1,646,000 | 1,645,000 |
| Securities available for sale | 94,094,000 | 97,900,000 | 102,365,000 | 99,881,000 |
| Securities held to maturity | 35,995,000 | 30,726,000 | 30,261,000 | 28,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,713,000 | 252,361,000 | 248,858,000 | 250,159,000 |
| Interest-bearing deposits | 225,636,000 | 221,813,000 | 217,115,000 | 221,881,000 |
| Noninterest-bearing deposits | 33,077,000 | 30,548,000 | 31,743,000 | 28,278,000 |
| Equity capital | 30,743,000 | 29,631,000 | 30,521,000 | 31,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,059,000 | 7,958,000 | 11,783,000 | 15,589,000 |
| Interest expense | 2,067,000 | 3,909,000 | 5,545,000 | 7,135,000 |
| Net interest income | 1,992,000 | 4,049,000 | 6,238,000 | 8,454,000 |
| Noninterest income | 567,000 | 1,152,000 | 1,795,000 | 2,348,000 |
| Noninterest expense | 1,774,000 | 3,658,000 | 5,526,000 | 7,483,000 |
| Provision for loan losses | 19,000 | 61,000 | 72,000 | 113,000 |
| Pretax income | 804,000 | 1,750,000 | 2,705,000 | 3,477,000 |
| Income tax | 175,000 | 395,000 | 627,000 | 789,000 |
| Net income | 629,000 | 1,355,000 | 2,078,000 | 2,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,738,000 | 30,134,000 | 30,857,000 | 31,002,000 |
| Total capital | 31,415,000 | 31,798,000 | 32,503,000 | 32,647,000 |
| Risk-weighted assets | 142,381,000 | 139,715,000 | 141,722,000 | 143,635,000 |