Call reports 2012
MACON BANK AND TRUST COMPANY — 2012
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 331,755,000 | 330,053,000 | 328,977,000 | 336,435,000 |
| Total loans | 138,466,000 | 137,870,000 | 135,542,000 | 136,644,000 |
| Allowance for loan losses | 2,184,000 | 2,285,000 | 2,381,000 | 2,490,000 |
| Securities available for sale | 101,498,000 | 106,524,000 | 110,698,000 | 112,687,000 |
| Securities held to maturity | 48,122,000 | 42,568,000 | 43,868,000 | 47,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,015,000 | 284,587,000 | 282,476,000 | 290,423,000 |
| Interest-bearing deposits | 250,071,000 | 248,014,000 | 245,855,000 | 254,958,000 |
| Noninterest-bearing deposits | 36,944,000 | 36,573,000 | 36,621,000 | 35,465,000 |
| Equity capital | 40,337,000 | 41,432,000 | 42,595,000 | 42,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,227,000 | 6,423,000 | 9,545,000 | 12,602,000 |
| Interest expense | 722,000 | 1,418,000 | 2,107,000 | 2,783,000 |
| Net interest income | 2,505,000 | 5,005,000 | 7,438,000 | 9,819,000 |
| Noninterest income | 455,000 | 930,000 | 1,427,000 | 1,936,000 |
| Noninterest expense | 1,976,000 | 3,985,000 | 5,982,000 | 8,041,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,247,000 | 2,096,000 | 2,913,000 | 3,624,000 |
| Income tax | 272,000 | 389,000 | 489,000 | 552,000 |
| Net income | 975,000 | 1,707,000 | 2,424,000 | 3,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,072,000 | 38,459,000 | 39,175,000 | 39,328,000 |
| Total capital | 40,090,000 | 40,489,000 | 41,183,000 | 41,362,000 |
| Risk-weighted assets | 161,275,000 | 162,138,000 | 160,244,000 | 162,252,000 |