Call reports 2005
MERCHANTS BANK OF COMMERCE — 2005
What MERCHANTS BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 450,567,000 | 468,071,000 | 487,567,000 | 509,205,000 |
| Total loans | 324,497,000 | 344,378,000 | 346,255,000 | 365,607,000 |
| Allowance for loan losses | 4,043,000 | 4,147,000 | 4,251,000 | 4,310,000 |
| Securities available for sale | 77,276,000 | 72,709,000 | 98,108,000 | 94,014,000 |
| Securities held to maturity | 423,000 | 5,889,000 | 5,812,000 | 6,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,638,000 | 370,758,000 | 379,022,000 | 375,407,000 |
| Interest-bearing deposits | 281,391,000 | 291,911,000 | 297,207,000 | 288,630,000 |
| Noninterest-bearing deposits | 76,247,000 | 78,847,000 | 81,815,000 | 86,777,000 |
| Equity capital | 39,297,000 | 41,257,000 | 47,882,000 | 49,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,192,000 | 12,889,000 | 20,110,000 | 27,949,000 |
| Interest expense | 1,266,000 | 2,994,000 | 4,911,000 | 7,133,000 |
| Net interest income | 4,926,000 | 9,895,000 | 15,199,000 | 20,816,000 |
| Noninterest income | 457,000 | 894,000 | 1,302,000 | 1,743,000 |
| Noninterest expense | 2,791,000 | 5,558,000 | 8,549,000 | 11,320,000 |
| Provision for loan losses | 177,000 | 354,000 | 442,000 | 442,000 |
| Pretax income | 2,413,000 | 4,875,000 | 7,508,000 | 10,795,000 |
| Income tax | 922,000 | 1,787,000 | 2,666,000 | 3,846,000 |
| Net income | 1,491,000 | 3,088,000 | 4,842,000 | 6,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,813,000 | 41,512,000 | 48,395,000 | 50,529,000 |
| Total capital | 44,159,000 | 45,962,000 | 53,038,000 | 55,231,000 |
| Risk-weighted assets | 377,534,000 | 402,689,000 | 414,785,000 | 440,410,000 |
Machine access — free, no API key
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