Call reports 2014
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2014
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 314,251,000 | 317,240,000 | 319,342,000 | 320,858,000 |
| Total loans | 141,964,000 | 148,528,000 | 152,388,000 | 152,674,000 |
| Allowance for loan losses | 1,215,000 | 1,228,000 | 1,136,000 | 1,194,000 |
| Securities available for sale | 149,918,000 | 145,404,000 | 138,809,000 | 142,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,195,000 | 252,531,000 | 249,265,000 | 244,100,000 |
| Interest-bearing deposits | 188,861,000 | 188,652,000 | 173,584,000 | 168,486,000 |
| Noninterest-bearing deposits | 64,334,000 | 63,879,000 | 75,681,000 | 75,614,000 |
| Equity capital | 38,051,000 | 39,256,000 | 39,957,000 | 39,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,544,000 | 5,164,000 | 7,820,000 | 10,492,000 |
| Interest expense | 259,000 | 519,000 | 772,000 | 1,021,000 |
| Net interest income | 2,285,000 | 4,645,000 | 7,048,000 | 9,471,000 |
| Noninterest income | 445,000 | 880,000 | 1,321,000 | 1,763,000 |
| Noninterest expense | 2,301,000 | 4,541,000 | 6,814,000 | 9,034,000 |
| Provision for loan losses | 8,000 | 42,000 | 109,000 | 173,000 |
| Pretax income | 489,000 | 1,070,000 | 1,619,000 | 2,278,000 |
| Income tax | 69,000 | 167,000 | 248,000 | 371,000 |
| Net income | 420,000 | 903,000 | 1,371,000 | 1,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,592,000 | 40,800,000 | 41,267,000 | 41,485,000 |
| Total capital | 41,807,000 | 42,028,000 | 42,403,000 | 42,679,000 |
| Risk-weighted assets | 176,736,000 | 183,392,000 | 185,780,000 | 188,561,000 |
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