Call reports 2013
MACON BANK AND TRUST COMPANY — 2013
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 345,665,000 | 339,063,000 | 336,922,000 | 334,939,000 |
| Total loans | 136,217,000 | 140,556,000 | 143,420,000 | 141,018,000 |
| Allowance for loan losses | 2,570,000 | 2,668,000 | 2,586,000 | 2,368,000 |
| Securities available for sale | 118,903,000 | 111,970,000 | 109,610,000 | 107,902,000 |
| Securities held to maturity | 45,753,000 | 53,165,000 | 51,787,000 | 55,220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,988,000 | 293,926,000 | 292,163,000 | 290,275,000 |
| Interest-bearing deposits | 263,492,000 | 258,542,000 | 254,039,000 | 253,835,000 |
| Noninterest-bearing deposits | 35,496,000 | 35,384,000 | 38,124,000 | 36,440,000 |
| Equity capital | 42,427,000 | 40,610,000 | 40,188,000 | 40,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,026,000 | 6,066,000 | 9,075,000 | 12,202,000 |
| Interest expense | 656,000 | 1,299,000 | 1,921,000 | 2,503,000 |
| Net interest income | 2,370,000 | 4,767,000 | 7,154,000 | 9,699,000 |
| Noninterest income | 459,000 | 940,000 | 1,480,000 | 2,060,000 |
| Noninterest expense | 2,129,000 | 4,294,000 | 6,449,000 | 8,610,000 |
| Provision for loan losses | 105,000 | 245,000 | 365,000 | 535,000 |
| Pretax income | 596,000 | 1,710,000 | 2,362,000 | 3,156,000 |
| Income tax | 29,000 | 266,000 | 324,000 | 450,000 |
| Net income | 567,000 | 1,444,000 | 2,038,000 | 2,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,894,000 | 40,427,000 | 41,021,000 | 41,194,000 |
| Total capital | 41,954,000 | 42,530,000 | 43,166,000 | 43,303,000 |
| Risk-weighted assets | 164,282,000 | 167,646,000 | 171,121,000 | 168,479,000 |