Call reports 2012
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2012
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 280,122,000 | 277,962,000 | 282,305,000 | 295,799,000 |
| Total loans | 127,561,000 | 131,063,000 | 132,228,000 | 131,570,000 |
| Allowance for loan losses | 1,134,000 | 1,190,000 | 1,207,000 | 1,202,000 |
| Securities available for sale | 127,814,000 | 127,684,000 | 120,242,000 | 140,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,962,000 | 220,354,000 | 223,850,000 | 238,323,000 |
| Interest-bearing deposits | 162,478,000 | 160,601,000 | 162,537,000 | 177,366,000 |
| Noninterest-bearing deposits | 61,484,000 | 59,753,000 | 61,313,000 | 60,957,000 |
| Equity capital | 37,811,000 | 38,617,000 | 39,369,000 | 39,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,696,000 | 5,365,000 | 7,971,000 | 10,642,000 |
| Interest expense | 344,000 | 672,000 | 995,000 | 1,307,000 |
| Net interest income | 2,352,000 | 4,693,000 | 6,976,000 | 9,335,000 |
| Noninterest income | 470,000 | 944,000 | 1,410,000 | 1,875,000 |
| Noninterest expense | 2,205,000 | 4,363,000 | 6,594,000 | 8,659,000 |
| Provision for loan losses | 62,000 | 125,000 | 146,000 | 158,000 |
| Pretax income | 563,000 | 1,494,000 | 2,201,000 | 3,001,000 |
| Income tax | 84,000 | 290,000 | 407,000 | 560,000 |
| Net income | 479,000 | 1,204,000 | 1,794,000 | 2,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,590,000 | 36,614,000 | 38,628,000 | 38,759,000 |
| Total capital | 38,724,000 | 37,804,000 | 39,835,000 | 39,961,000 |
| Risk-weighted assets | 145,290,000 | 150,065,000 | 151,664,000 | 171,889,000 |