Call reports 2020
MACON BANK AND TRUST COMPANY — 2020
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 432,552,000 | 471,174,000 | 483,395,000 | 492,897,000 |
| Total loans | 192,241,000 | 196,864,000 | 201,887,000 | 200,573,000 |
| Allowance for loan losses | 2,691,000 | 2,733,000 | 2,787,000 | 2,816,000 |
| Securities available for sale | 184,897,000 | 203,014,000 | 203,442,000 | 209,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,151,000 | 399,468,000 | 414,633,000 | 423,920,000 |
| Interest-bearing deposits | 315,699,000 | 328,573,000 | 346,907,000 | 350,025,000 |
| Noninterest-bearing deposits | 53,451,000 | 70,895,000 | 67,725,000 | 73,895,000 |
| Equity capital | 52,826,000 | 56,621,000 | 58,203,000 | 58,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,076,000 | 8,044,000 | 12,003,000 | 16,114,000 |
| Interest expense | 1,112,000 | 2,159,000 | 3,164,000 | 4,123,000 |
| Net interest income | 2,964,000 | 5,885,000 | 8,839,000 | 11,991,000 |
| Noninterest income | 655,000 | 1,242,000 | 1,880,000 | 2,562,000 |
| Noninterest expense | 2,815,000 | 5,641,000 | 8,506,000 | 11,397,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 170,000 |
| Pretax income | 904,000 | 1,708,000 | 2,412,000 | 3,410,000 |
| Income tax | 164,000 | 291,000 | 381,000 | 548,000 |
| Net income | 740,000 | 1,417,000 | 2,031,000 | 2,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,776,000 | 54,109,000 | 54,723,000 | 55,555,000 |