Call reports 2009
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2009
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 222,270,000 | 231,645,000 | 240,066,000 | 240,527,000 |
| Total loans | 104,941,000 | 107,677,000 | 110,347,000 | 115,004,000 |
| Allowance for loan losses | 826,000 | 858,000 | 860,000 | 1,006,000 |
| Securities available for sale | 92,659,000 | 103,524,000 | 109,588,000 | 104,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,525,000 | 181,989,000 | 181,896,000 | 190,209,000 |
| Interest-bearing deposits | 126,389,000 | 130,403,000 | 132,731,000 | 138,940,000 |
| Noninterest-bearing deposits | 46,136,000 | 51,586,000 | 49,165,000 | 51,269,000 |
| Equity capital | 31,913,000 | 31,459,000 | 33,311,000 | 32,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,666,000 | 5,410,000 | 8,157,000 | 10,972,000 |
| Interest expense | 608,000 | 1,193,000 | 1,758,000 | 2,286,000 |
| Net interest income | 2,058,000 | 4,217,000 | 6,399,000 | 8,686,000 |
| Noninterest income | 544,000 | 1,107,000 | 1,642,000 | 2,253,000 |
| Noninterest expense | 2,053,000 | 4,192,000 | 6,263,000 | 8,369,000 |
| Provision for loan losses | 66,000 | 136,000 | 182,000 | 415,000 |
| Pretax income | 1,009,000 | 1,522,000 | 2,122,000 | 3,029,000 |
| Income tax | 256,000 | 334,000 | 443,000 | 621,000 |
| Net income | 753,000 | 1,188,000 | 1,679,000 | 2,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,756,000 | 31,938,000 | 33,386,000 | 33,863,000 |
| Total capital | 32,582,000 | 32,796,000 | 34,246,000 | 34,869,000 |
| Risk-weighted assets | 123,320,000 | 127,587,000 | 129,438,000 | 134,987,000 |
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