Call reports 2012
MERCHANTS BANK, NATIONAL ASSOCIATION — 2012
What MERCHANTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,306,635,000 | 1,266,843,000 | 1,334,733,000 | 1,281,268,000 |
| Total loans | 807,423,000 | 823,354,000 | 853,028,000 | 877,184,000 |
| Allowance for loan losses | 12,583,000 | 12,137,000 | 11,864,000 | 11,337,000 |
| Securities available for sale | 220,866,000 | 305,056,000 | 274,795,000 | 229,854,000 |
| Securities held to maturity | 10,229,000 | 9,264,000 | 8,361,000 | 7,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,071,875,000 | 1,028,017,000 | 1,096,152,000 | 1,067,886,000 |
| Interest-bearing deposits | 880,459,000 | 836,801,000 | 885,884,000 | 828,078,000 |
| Noninterest-bearing deposits | 191,416,000 | 191,216,000 | 210,268,000 | 239,808,000 |
| Equity capital | 142,988,000 | 147,038,000 | 152,310,000 | 148,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,866,000 | 28,137,000 | 42,116,000 | 56,304,000 |
| Interest expense | 2,024,000 | 3,905,000 | 5,657,000 | 7,508,000 |
| Net interest income | 11,842,000 | 24,232,000 | 36,459,000 | 48,796,000 |
| Noninterest income | 4,224,000 | 8,390,000 | 14,024,000 | 19,840,000 |
| Noninterest expense | 9,957,000 | 20,207,000 | 30,337,000 | 44,700,000 |
| Provision for loan losses | -38,000 | -392,000 | -358,000 | -787,000 |
| Pretax income | 6,147,000 | 12,807,000 | 20,504,000 | 25,887,000 |
| Income tax | 2,226,000 | 4,657,000 | 7,479,000 | 8,989,000 |
| Net income | 3,921,000 | 8,150,000 | 13,025,000 | 16,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,302,000 | 125,118,000 | 129,771,000 | 127,912,000 |
| Total capital | 133,432,000 | 137,255,000 | 141,635,000 | 139,249,000 |
| Risk-weighted assets | 969,177,000 | 994,809,000 | 1,007,114,000 | 1,025,623,000 |
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