Call reports 2009
MACON BANK AND TRUST COMPANY — 2009
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 300,058,000 | 295,468,000 | 295,460,000 | 299,344,000 |
| Total loans | 126,576,000 | 131,610,000 | 132,554,000 | 133,427,000 |
| Allowance for loan losses | 1,697,000 | 1,718,000 | 1,701,000 | 1,934,000 |
| Securities available for sale | 103,090,000 | 96,148,000 | 100,782,000 | 99,010,000 |
| Securities held to maturity | 28,333,000 | 34,944,000 | 35,628,000 | 35,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,108,000 | 259,739,000 | 257,638,000 | 261,351,000 |
| Interest-bearing deposits | 227,018,000 | 230,446,000 | 231,539,000 | 232,498,000 |
| Noninterest-bearing deposits | 37,090,000 | 29,293,000 | 26,099,000 | 28,853,000 |
| Equity capital | 32,383,000 | 32,454,000 | 34,526,000 | 34,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,569,000 | 7,038,000 | 10,564,000 | 14,116,000 |
| Interest expense | 1,466,000 | 2,874,000 | 4,203,000 | 5,469,000 |
| Net interest income | 2,103,000 | 4,164,000 | 6,361,000 | 8,647,000 |
| Noninterest income | 507,000 | 1,071,000 | 1,636,000 | 2,218,000 |
| Noninterest expense | 2,078,000 | 4,192,000 | 6,185,000 | 8,147,000 |
| Provision for loan losses | 60,000 | 120,000 | 225,000 | 505,000 |
| Pretax income | 914,000 | 1,369,000 | 2,135,000 | 2,768,000 |
| Income tax | 185,000 | 182,000 | 303,000 | 328,000 |
| Net income | 729,000 | 1,187,000 | 1,832,000 | 2,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,731,000 | 32,009,000 | 32,655,000 | 32,798,000 |
| Total capital | 33,428,000 | 33,727,000 | 34,356,000 | 34,664,000 |
| Risk-weighted assets | 146,318,000 | 148,325,000 | 145,836,000 | 149,212,000 |