Call reports 2006
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2006
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 171,278,000 | 178,406,000 | 190,342,000 | 191,912,000 |
| Total loans | 67,226,000 | 71,724,000 | 87,781,000 | 88,213,000 |
| Allowance for loan losses | 698,000 | 720,000 | 722,000 | 740,000 |
| Securities available for sale | 93,064,000 | 89,479,000 | 91,120,000 | 89,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,785,000 | 127,756,000 | 130,029,000 | 132,507,000 |
| Interest-bearing deposits | 86,902,000 | 86,354,000 | 88,319,000 | 91,593,000 |
| Noninterest-bearing deposits | 42,883,000 | 41,402,000 | 41,710,000 | 40,914,000 |
| Equity capital | 25,080,000 | 24,279,000 | 26,584,000 | 27,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,297,000 | 4,741,000 | 7,422,000 | 10,191,000 |
| Interest expense | 459,000 | 1,031,000 | 1,794,000 | 2,617,000 |
| Net interest income | 1,838,000 | 3,710,000 | 5,628,000 | 7,574,000 |
| Noninterest income | 617,000 | 1,211,000 | 1,844,000 | 2,469,000 |
| Noninterest expense | 1,641,000 | 3,315,000 | 5,024,000 | 6,749,000 |
| Provision for loan losses | 23,000 | 60,000 | 70,000 | 102,000 |
| Pretax income | 791,000 | 1,546,000 | 2,378,000 | 3,192,000 |
| Income tax | 202,000 | 370,000 | 555,000 | 683,000 |
| Net income | 589,000 | 1,176,000 | 1,823,000 | 2,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,980,000 | 27,341,000 | 27,987,000 | 28,446,000 |
| Total capital | 27,678,000 | 28,061,000 | 28,709,000 | 29,186,000 |
| Risk-weighted assets | 78,643,000 | 85,755,000 | 99,540,000 | 100,057,000 |
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