Call reports 2021
MACON BANK AND TRUST COMPANY — 2021
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 554,631,000 | 569,471,000 | 571,337,000 | 586,515,000 |
| Total loans | 209,376,000 | 210,955,000 | 235,452,000 | 240,349,000 |
| Allowance for loan losses | 2,850,000 | 2,877,000 | 2,924,000 | 2,951,000 |
| Securities available for sale | 237,911,000 | 265,555,000 | 266,609,000 | 276,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,880,000 | 496,524,000 | 500,009,000 | 516,683,000 |
| Interest-bearing deposits | 403,691,000 | 412,635,000 | 412,754,000 | 426,888,000 |
| Noninterest-bearing deposits | 83,189,000 | 83,890,000 | 87,255,000 | 89,795,000 |
| Equity capital | 56,501,000 | 59,290,000 | 61,073,000 | 59,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,944,000 | 8,642,000 | 13,350,000 | 17,991,000 |
| Interest expense | 907,000 | 1,826,000 | 2,724,000 | 3,598,000 |
| Net interest income | 3,037,000 | 6,816,000 | 10,626,000 | 14,393,000 |
| Noninterest income | 687,000 | 1,344,000 | 2,076,000 | 2,825,000 |
| Noninterest expense | 2,946,000 | 5,940,000 | 8,963,000 | 11,919,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 140,000 |
| Pretax income | 726,000 | 2,116,000 | 4,353,000 | 5,867,000 |
| Income tax | 107,000 | 376,000 | 892,000 | 1,219,000 |
| Net income | 619,000 | 1,740,000 | 3,461,000 | 4,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,173,000 | 56,919,000 | 58,640,000 | 59,196,000 |
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