Call reports 2016
MACON BANK AND TRUST COMPANY — 2016
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 378,192,000 | 382,130,000 | 382,482,000 | 381,069,000 |
| Total loans | 137,713,000 | 145,078,000 | 146,669,000 | 149,307,000 |
| Allowance for loan losses | 2,526,000 | 2,578,000 | 2,585,000 | 2,585,000 |
| Securities available for sale | 143,711,000 | 158,989,000 | 164,201,000 | 167,784,000 |
| Securities held to maturity | 37,774,000 | 27,377,000 | 23,637,000 | 21,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,243,000 | 322,177,000 | 322,170,000 | 324,366,000 |
| Interest-bearing deposits | 271,876,000 | 270,785,000 | 268,048,000 | 269,362,000 |
| Noninterest-bearing deposits | 47,367,000 | 51,392,000 | 54,122,000 | 55,004,000 |
| Equity capital | 47,498,000 | 48,819,000 | 49,310,000 | 45,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,150,000 | 6,418,000 | 9,660,000 | 12,909,000 |
| Interest expense | 511,000 | 1,035,000 | 1,563,000 | 2,080,000 |
| Net interest income | 2,639,000 | 5,383,000 | 8,097,000 | 10,829,000 |
| Noninterest income | 431,000 | 990,000 | 1,601,000 | 2,206,000 |
| Noninterest expense | 2,380,000 | 4,770,000 | 7,208,000 | 9,614,000 |
| Provision for loan losses | 10,000 | 40,000 | 65,000 | 75,000 |
| Pretax income | 1,081,000 | 2,007,000 | 2,942,000 | 3,859,000 |
| Income tax | 256,000 | 457,000 | 661,000 | 861,000 |
| Net income | 825,000 | 1,550,000 | 2,281,000 | 2,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,116,000 | 46,541,000 | 47,321,000 | 47,467,000 |
| Total capital | 48,260,000 | 48,723,000 | 49,500,000 | 49,693,000 |
| Risk-weighted assets | 170,997,000 | 174,047,000 | 173,912,000 | 177,659,000 |