Call reports 2015
MACON BANK AND TRUST COMPANY — 2015
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 366,909,000 | 359,372,000 | 361,034,000 | 363,834,000 |
| Total loans | 133,031,000 | 136,803,000 | 138,040,000 | 141,798,000 |
| Allowance for loan losses | 2,530,000 | 2,531,000 | 2,555,000 | 2,480,000 |
| Securities available for sale | 130,821,000 | 131,549,000 | 135,323,000 | 142,150,000 |
| Securities held to maturity | 50,199,000 | 51,451,000 | 49,835,000 | 44,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,503,000 | 304,951,000 | 305,143,000 | 308,017,000 |
| Interest-bearing deposits | 265,954,000 | 261,418,000 | 259,036,000 | 261,710,000 |
| Noninterest-bearing deposits | 45,549,000 | 43,533,000 | 46,107,000 | 46,307,000 |
| Equity capital | 45,496,000 | 44,896,000 | 46,240,000 | 46,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,002,000 | 6,107,000 | 9,245,000 | 12,421,000 |
| Interest expense | 513,000 | 1,036,000 | 1,559,000 | 2,070,000 |
| Net interest income | 2,489,000 | 5,071,000 | 7,686,000 | 10,351,000 |
| Noninterest income | 503,000 | 1,058,000 | 1,627,000 | 2,199,000 |
| Noninterest expense | 2,271,000 | 4,568,000 | 6,896,000 | 9,222,000 |
| Provision for loan losses | 64,000 | 64,000 | 95,000 | 135,000 |
| Pretax income | 1,258,000 | 2,198,000 | 3,101,000 | 3,987,000 |
| Income tax | 325,000 | 507,000 | 682,000 | 862,000 |
| Net income | 933,000 | 1,691,000 | 2,419,000 | 3,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,843,000 | 44,255,000 | 44,982,000 | 45,231,000 |
| Total capital | 45,955,000 | 46,368,000 | 47,094,000 | 47,375,000 |
| Risk-weighted assets | 168,514,000 | 168,282,000 | 168,248,000 | 170,927,000 |