Call reports 2013
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2013
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 294,619,000 | 294,197,000 | 296,885,000 | 314,299,000 |
| Total loans | 133,614,000 | 136,234,000 | 138,926,000 | 138,283,000 |
| Allowance for loan losses | 1,215,000 | 1,216,000 | 1,224,000 | 1,221,000 |
| Securities available for sale | 136,190,000 | 133,160,000 | 133,977,000 | 139,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,599,000 | 239,981,000 | 234,286,000 | 253,615,000 |
| Interest-bearing deposits | 177,675,000 | 178,394,000 | 174,491,000 | 190,774,000 |
| Noninterest-bearing deposits | 59,924,000 | 61,587,000 | 59,795,000 | 62,841,000 |
| Equity capital | 39,004,000 | 35,689,000 | 36,256,000 | 36,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,569,000 | 5,111,000 | 7,672,000 | 10,254,000 |
| Interest expense | 301,000 | 590,000 | 867,000 | 1,139,000 |
| Net interest income | 2,268,000 | 4,521,000 | 6,805,000 | 9,115,000 |
| Noninterest income | 453,000 | 1,164,000 | 1,621,000 | 2,073,000 |
| Noninterest expense | 2,274,000 | 4,562,000 | 6,692,000 | 8,996,000 |
| Provision for loan losses | 20,000 | 41,000 | 70,000 | 79,000 |
| Pretax income | 727,000 | 1,639,000 | 2,362,000 | 2,811,000 |
| Income tax | 123,000 | 324,000 | 462,000 | 528,000 |
| Net income | 604,000 | 1,315,000 | 1,900,000 | 2,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,363,000 | 39,480,000 | 40,065,000 | 40,172,000 |
| Total capital | 40,578,000 | 40,696,000 | 41,289,000 | 41,393,000 |
| Risk-weighted assets | 170,324,000 | 173,231,000 | 172,736,000 | 176,041,000 |
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