Call reports 2013
MERCHANTS BANK, NATIONAL ASSOCIATION — 2013
What MERCHANTS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,307,618,000 | 1,289,244,000 | 1,344,459,000 | 1,362,044,000 |
| Total loans | 897,147,000 | 918,177,000 | 945,326,000 | 983,819,000 |
| Allowance for loan losses | 11,697,000 | 11,420,000 | 11,860,000 | 11,533,000 |
| Securities available for sale | 267,106,000 | 233,863,000 | 236,630,000 | 237,053,000 |
| Securities held to maturity | 7,371,000 | 6,502,000 | 6,323,000 | 5,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,079,556,000 | 1,020,431,000 | 1,044,631,000 | 1,130,657,000 |
| Interest-bearing deposits | 870,196,000 | 808,609,000 | 817,878,000 | 886,768,000 |
| Noninterest-bearing deposits | 209,360,000 | 211,822,000 | 226,753,000 | 243,889,000 |
| Equity capital | 150,765,000 | 151,087,000 | 153,423,000 | 153,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 13,388,000 | 27,569,000 | 41,839,000 | 56,671,000 |
| Interest expense | 1,320,000 | 2,575,000 | 3,779,000 | 5,094,000 |
| Net interest income | 12,068,000 | 24,994,000 | 38,060,000 | 51,577,000 |
| Noninterest income | 4,848,000 | 8,745,000 | 12,070,000 | 15,797,000 |
| Noninterest expense | 10,984,000 | 22,426,000 | 32,426,000 | 45,592,000 |
| Provision for loan losses | 571,000 | 938,000 | 1,523,000 | 1,384,000 |
| Pretax income | 5,361,000 | 10,519,000 | 16,325,000 | 20,542,000 |
| Income tax | 1,946,000 | 3,823,000 | 5,876,000 | 7,187,000 |
| Net income | 3,415,000 | 6,696,000 | 10,449,000 | 13,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,926,000 | 135,274,000 | 139,093,000 | 139,437,000 |
| Total capital | 143,623,000 | 146,694,000 | 150,953,000 | 150,970,000 |
| Risk-weighted assets | 1,054,235,000 | 1,072,795,000 | 1,113,434,000 | 1,144,974,000 |
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