Call reports 2005
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2005
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 165,938,000 | 170,194,000 | 170,963,000 | 169,313,000 |
| Total loans | 65,750,000 | 67,270,000 | 68,729,000 | 68,280,000 |
| Allowance for loan losses | 626,000 | 640,000 | 667,000 | 672,000 |
| Securities available for sale | 88,981,000 | 93,329,000 | 92,497,000 | 88,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,387,000 | 121,359,000 | 118,835,000 | 127,496,000 |
| Interest-bearing deposits | 110,154,000 | 85,736,000 | 82,511,000 | 85,578,000 |
| Noninterest-bearing deposits | 15,233,000 | 35,623,000 | 36,324,000 | 41,917,000 |
| Equity capital | 23,746,000 | 24,950,000 | 25,352,000 | 24,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,039,000 | 4,153,000 | 6,383,000 | 8,550,000 |
| Interest expense | 357,000 | 768,000 | 1,263,000 | 1,756,000 |
| Net interest income | 1,682,000 | 3,385,000 | 5,120,000 | 6,794,000 |
| Noninterest income | 591,000 | 1,303,000 | 1,937,000 | 2,620,000 |
| Noninterest expense | 1,565,000 | 3,202,000 | 4,841,000 | 6,392,000 |
| Provision for loan losses | 49,000 | 73,000 | 134,000 | 178,000 |
| Pretax income | 670,000 | 1,427,000 | 2,096,000 | 2,858,000 |
| Income tax | 145,000 | 339,000 | 469,000 | 621,000 |
| Net income | 525,000 | 1,088,000 | 1,627,000 | 2,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,012,000 | 25,409,000 | 25,786,000 | 26,391,000 |
| Total capital | 25,638,000 | 26,049,000 | 26,453,000 | 27,063,000 |
| Risk-weighted assets | 75,336,000 | 77,463,000 | 78,932,000 | 79,117,000 |
Machine access — free, no API key
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