Call reports 2014
MACON BANK AND TRUST COMPANY — 2014
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 350,828,000 | 346,669,000 | 344,691,000 | 350,255,000 |
| Total loans | 141,442,000 | 139,175,000 | 137,483,000 | 138,815,000 |
| Allowance for loan losses | 2,470,000 | 2,549,000 | 2,529,000 | 2,529,000 |
| Securities available for sale | 112,900,000 | 118,243,000 | 117,177,000 | 124,993,000 |
| Securities held to maturity | 54,625,000 | 52,847,000 | 51,362,000 | 47,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,882,000 | 297,023,000 | 294,194,000 | 298,846,000 |
| Interest-bearing deposits | 258,380,000 | 255,042,000 | 253,529,000 | 254,534,000 |
| Noninterest-bearing deposits | 44,502,000 | 41,981,000 | 40,665,000 | 44,312,000 |
| Equity capital | 41,730,000 | 43,311,000 | 43,990,000 | 44,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,036,000 | 6,142,000 | 9,213,000 | 12,338,000 |
| Interest expense | 536,000 | 1,064,000 | 1,592,000 | 2,117,000 |
| Net interest income | 2,500,000 | 5,078,000 | 7,621,000 | 10,221,000 |
| Noninterest income | 494,000 | 996,000 | 1,509,000 | 2,038,000 |
| Noninterest expense | 2,210,000 | 4,437,000 | 6,693,000 | 8,939,000 |
| Provision for loan losses | 120,000 | 220,000 | 280,000 | 287,000 |
| Pretax income | 664,000 | 1,418,000 | 2,483,000 | 3,359,000 |
| Income tax | 83,000 | 205,000 | 442,000 | 617,000 |
| Net income | 581,000 | 1,213,000 | 2,041,000 | 2,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,775,000 | 42,407,000 | 43,235,000 | 43,411,000 |
| Total capital | 43,920,000 | 44,533,000 | 45,332,000 | 45,514,000 |
| Risk-weighted assets | 171,272,000 | 169,648,000 | 167,298,000 | 167,843,000 |