Call reports 2010
MACON BANK AND TRUST COMPANY — 2010
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 311,277,000 | 312,396,000 | 311,163,000 | 313,642,000 |
| Total loans | 129,454,000 | 130,180,000 | 138,136,000 | 138,249,000 |
| Allowance for loan losses | 1,758,000 | 1,749,000 | 1,752,000 | 1,791,000 |
| Securities available for sale | 88,843,000 | 100,440,000 | 99,964,000 | 103,410,000 |
| Securities held to maturity | 43,300,000 | 42,878,000 | 38,928,000 | 32,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,774,000 | 273,542,000 | 271,337,000 | 274,680,000 |
| Interest-bearing deposits | 243,226,000 | 244,831,000 | 243,599,000 | 242,270,000 |
| Noninterest-bearing deposits | 29,548,000 | 28,711,000 | 27,738,000 | 32,410,000 |
| Equity capital | 35,098,000 | 35,721,000 | 36,596,000 | 35,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,331,000 | 6,619,000 | 9,904,000 | 13,176,000 |
| Interest expense | 1,181,000 | 2,318,000 | 3,395,000 | 4,407,000 |
| Net interest income | 2,150,000 | 4,301,000 | 6,509,000 | 8,769,000 |
| Noninterest income | 534,000 | 1,075,000 | 1,635,000 | 2,141,000 |
| Noninterest expense | 2,019,000 | 4,105,000 | 6,191,000 | 8,267,000 |
| Provision for loan losses | 90,000 | 177,000 | 267,000 | 357,000 |
| Pretax income | 1,043,000 | 1,565,000 | 2,157,000 | 2,757,000 |
| Income tax | 210,000 | 209,000 | 235,000 | 275,000 |
| Net income | 833,000 | 1,356,000 | 1,922,000 | 2,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,631,000 | 33,824,000 | 34,389,000 | 34,485,000 |
| Total capital | 35,389,000 | 35,573,000 | 36,141,000 | 36,276,000 |
| Risk-weighted assets | 151,764,000 | 153,101,000 | 158,573,000 | 161,204,000 |
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