Call reports 2010
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2010
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 241,301,000 | 252,896,000 | 249,606,000 | 254,350,000 |
| Total loans | 116,609,000 | 116,520,000 | 117,241,000 | 117,385,000 |
| Allowance for loan losses | 930,000 | 970,000 | 940,000 | 950,000 |
| Securities available for sale | 106,774,000 | 114,935,000 | 115,982,000 | 116,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,792,000 | 200,543,000 | 196,345,000 | 202,762,000 |
| Interest-bearing deposits | 133,407,000 | 149,271,000 | 146,562,000 | 152,340,000 |
| Noninterest-bearing deposits | 55,386,000 | 51,272,000 | 49,783,000 | 50,422,000 |
| Equity capital | 33,508,000 | 34,448,000 | 35,285,000 | 32,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,818,000 | 5,662,000 | 8,472,000 | 11,189,000 |
| Interest expense | 492,000 | 977,000 | 1,465,000 | 1,950,000 |
| Net interest income | 2,326,000 | 4,685,000 | 7,007,000 | 9,239,000 |
| Noninterest income | 567,000 | 1,097,000 | 1,622,000 | 2,156,000 |
| Noninterest expense | 2,126,000 | 4,291,000 | 6,422,000 | 8,571,000 |
| Provision for loan losses | 99,000 | 153,000 | 300,000 | 381,000 |
| Pretax income | 668,000 | 1,418,000 | 2,304,000 | 2,840,000 |
| Income tax | 135,000 | 299,000 | 499,000 | 563,000 |
| Net income | 533,000 | 1,119,000 | 1,805,000 | 2,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,396,000 | 34,580,000 | 34,468,000 | 35,486,000 |
| Total capital | 35,326,000 | 35,550,000 | 35,408,000 | 36,436,000 |
| Risk-weighted assets | 135,595,000 | 135,733,000 | 134,741,000 | 137,030,000 |
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