Call reports 2025
MACON BANK AND TRUST COMPANY — 2025
What MACON BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 732,880,000 | 723,475,000 | 747,576,000 | 772,155,000 |
| Total loans | 425,888,000 | 439,587,000 | 459,183,000 | 480,283,000 |
| Allowance for loan losses | 3,813,000 | 3,933,000 | 4,072,000 | 4,339,000 |
| Securities available for sale | 222,016,000 | 216,995,000 | 211,989,000 | 211,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 675,536,000 | 666,015,000 | 682,997,000 | 706,291,000 |
| Interest-bearing deposits | 595,215,000 | 584,502,000 | 597,985,000 | 620,426,000 |
| Noninterest-bearing deposits | 80,321,000 | 81,513,000 | 85,012,000 | 85,865,000 |
| Equity capital | 48,464,000 | 49,395,000 | 56,438,000 | 58,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,783,000 | 19,818,000 | 30,412,000 | 41,104,000 |
| Interest expense | 4,530,000 | 8,880,000 | 13,296,000 | 17,754,000 |
| Net interest income | 5,253,000 | 10,938,000 | 17,116,000 | 23,350,000 |
| Noninterest income | 734,000 | 1,676,000 | 2,654,000 | 3,521,000 |
| Noninterest expense | 3,512,000 | 7,124,000 | 10,938,000 | 14,769,000 |
| Provision for loan losses | 177,000 | 308,000 | 460,000 | 780,000 |
| Pretax income | 2,325,000 | 5,190,000 | 8,171,000 | 11,140,000 |
| Income tax | 627,000 | 1,321,000 | 2,093,000 | 2,761,000 |
| Net income | 1,698,000 | 3,869,000 | 6,078,000 | 8,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,822,000 | 75,574,000 | 77,782,000 | 79,319,000 |