Call reports 2023
MACON BANK AND TRUST COMPANY — 2023
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 623,517,000 | 635,621,000 | 651,805,000 | 670,989,000 |
| Total loans | 299,313,000 | 329,401,000 | 346,853,000 | 363,201,000 |
| Allowance for loan losses | 3,159,000 | 3,199,000 | 3,079,000 | 3,151,000 |
| Securities available for sale | 261,412,000 | 256,444,000 | 246,673,000 | 252,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,590,000 | 578,666,000 | 593,483,000 | 614,869,000 |
| Interest-bearing deposits | 484,906,000 | 485,588,000 | 499,275,000 | 520,093,000 |
| Noninterest-bearing deposits | 95,684,000 | 93,078,000 | 94,208,000 | 94,776,000 |
| Equity capital | 34,956,000 | 34,011,000 | 30,192,000 | 38,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,220,000 | 13,256,000 | 20,978,000 | 29,131,000 |
| Interest expense | 2,087,000 | 4,765,000 | 8,330,000 | 12,217,000 |
| Net interest income | 4,133,000 | 8,491,000 | 12,648,000 | 16,914,000 |
| Noninterest income | 702,000 | 1,463,000 | 2,244,000 | 3,020,000 |
| Noninterest expense | 3,348,000 | 6,690,000 | 10,050,000 | 13,474,000 |
| Provision for loan losses | 105,000 | 165,000 | 63,000 | 155,000 |
| Pretax income | 1,378,000 | 3,094,000 | 4,592,000 | 6,119,000 |
| Income tax | 314,000 | 721,000 | 1,073,000 | 1,425,000 |
| Net income | 1,064,000 | 2,373,000 | 3,519,000 | 4,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,406,000 | 65,296,000 | 66,441,000 | 66,985,000 |