Call reports 2011
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2011
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 261,946,000 | 269,892,000 | 263,067,000 | 276,476,000 |
| Total loans | 115,838,000 | 120,951,000 | 124,491,000 | 125,580,000 |
| Allowance for loan losses | 980,000 | 1,030,000 | 1,082,000 | 1,075,000 |
| Securities available for sale | 121,657,000 | 126,879,000 | 106,599,000 | 124,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,260,000 | 215,522,000 | 207,096,000 | 220,303,000 |
| Interest-bearing deposits | 144,813,000 | 151,661,000 | 150,500,000 | 163,618,000 |
| Noninterest-bearing deposits | 66,447,000 | 63,861,000 | 56,596,000 | 56,685,000 |
| Equity capital | 33,612,000 | 36,359,000 | 37,686,000 | 37,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,674,000 | 5,387,000 | 8,176,000 | 10,893,000 |
| Interest expense | 444,000 | 843,000 | 1,241,000 | 1,596,000 |
| Net interest income | 2,230,000 | 4,544,000 | 6,935,000 | 9,297,000 |
| Noninterest income | 486,000 | 993,000 | 1,586,000 | 2,078,000 |
| Noninterest expense | 2,160,000 | 4,269,000 | 6,444,000 | 8,527,000 |
| Provision for loan losses | 61,000 | 128,000 | 198,000 | 249,000 |
| Pretax income | 532,000 | 1,224,000 | 2,002,000 | 2,785,000 |
| Income tax | 75,000 | 205,000 | 364,000 | 506,000 |
| Net income | 457,000 | 1,019,000 | 1,638,000 | 2,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,792,000 | 36,102,000 | 36,722,000 | 37,111,000 |
| Total capital | 36,772,000 | 37,132,000 | 37,804,000 | 38,186,000 |
| Risk-weighted assets | 135,952,000 | 141,912,000 | 141,720,000 | 144,781,000 |
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