Call reports 2015
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2015
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 303,257,000 | 323,251,000 | 374,520,000 | 394,024,000 |
| Total loans | 154,418,000 | 159,679,000 | 212,941,000 | 214,161,000 |
| Allowance for loan losses | 1,248,000 | 1,256,000 | 1,348,000 | 1,457,000 |
| Securities available for sale | 126,179,000 | 127,193,000 | 125,735,000 | 138,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,943,000 | 219,058,000 | 273,019,000 | 287,412,000 |
| Interest-bearing deposits | 157,205,000 | 149,201,000 | 179,726,000 | 193,088,000 |
| Noninterest-bearing deposits | 70,738,000 | 69,857,000 | 93,293,000 | 94,324,000 |
| Equity capital | 40,803,000 | 27,171,000 | 40,764,000 | 40,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,603,000 | 5,199,000 | 8,731,000 | 12,413,000 |
| Interest expense | 238,000 | 476,000 | 739,000 | 1,021,000 |
| Net interest income | 2,365,000 | 4,723,000 | 7,992,000 | 11,392,000 |
| Noninterest income | 434,000 | 861,000 | 1,448,000 | 2,025,000 |
| Noninterest expense | 2,305,000 | 4,705,000 | 7,933,000 | 11,007,000 |
| Provision for loan losses | 68,000 | 155,000 | 260,000 | 488,000 |
| Pretax income | 483,000 | 858,000 | 1,551,000 | 2,248,000 |
| Income tax | 48,000 | 66,000 | 169,000 | 555,000 |
| Net income | 435,000 | 792,000 | 1,382,000 | 1,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,820,000 | 29,457,000 | 35,531,000 | 35,565,000 |
| Total capital | 43,068,000 | 30,713,000 | 36,879,000 | 37,022,000 |
| Risk-weighted assets | 162,587,000 | 172,214,000 | 218,584,000 | 222,123,000 |
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