Call reports 2007
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2007
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 191,668,000 | 193,589,000 | 190,244,000 | 194,693,000 |
| Total loans | 91,828,000 | 93,959,000 | 94,480,000 | 97,372,000 |
| Allowance for loan losses | 726,000 | 741,000 | 719,000 | 719,000 |
| Securities available for sale | 86,561,000 | 83,203,000 | 83,215,000 | 83,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,537,000 | 141,065,000 | 134,182,000 | 139,609,000 |
| Interest-bearing deposits | 94,425,000 | 100,640,000 | 96,491,000 | 100,902,000 |
| Noninterest-bearing deposits | 40,112,000 | 40,425,000 | 37,691,000 | 38,707,000 |
| Equity capital | 27,887,000 | 27,075,000 | 28,505,000 | 29,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,786,000 | 5,690,000 | 8,583,000 | 11,483,000 |
| Interest expense | 813,000 | 1,685,000 | 2,591,000 | 3,437,000 |
| Net interest income | 1,973,000 | 4,005,000 | 5,992,000 | 8,046,000 |
| Noninterest income | 643,000 | 1,226,000 | 1,808,000 | 2,404,000 |
| Noninterest expense | 1,772,000 | 3,554,000 | 5,326,000 | 7,069,000 |
| Provision for loan losses | 13,000 | 34,000 | 58,000 | 89,000 |
| Pretax income | 855,000 | 1,667,000 | 2,440,000 | 3,316,000 |
| Income tax | 210,000 | 428,000 | 588,000 | 806,000 |
| Net income | 645,000 | 1,239,000 | 1,852,000 | 2,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,873,000 | 29,189,000 | 29,768,000 | 30,198,000 |
| Total capital | 29,599,000 | 29,930,000 | 30,487,000 | 30,917,000 |
| Risk-weighted assets | 102,779,000 | 105,554,000 | 104,835,000 | 107,154,000 |
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