Call reports 2006
MERCHANTS BANK OF COMMERCE — 2006
What MERCHANTS BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 520,323,000 | 560,275,000 | 581,365,000 | 579,648,000 |
| Total loans | 377,264,000 | 402,941,000 | 405,046,000 | 410,537,000 |
| Allowance for loan losses | 4,278,000 | 4,479,000 | 4,728,000 | 4,880,000 |
| Securities available for sale | 91,806,000 | 97,366,000 | 97,614,000 | 95,601,000 |
| Securities held to maturity | 9,459,000 | 11,141,000 | 10,841,000 | 10,810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,209,000 | 390,286,000 | 433,164,000 | 442,260,000 |
| Interest-bearing deposits | 305,770,000 | 314,913,000 | 348,901,000 | 355,461,000 |
| Noninterest-bearing deposits | 75,439,000 | 75,373,000 | 84,263,000 | 86,799,000 |
| Equity capital | 50,837,000 | 51,657,000 | 52,319,000 | 53,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,381,000 | 17,713,000 | 27,688,000 | 37,568,000 |
| Interest expense | 2,754,000 | 6,187,000 | 10,391,000 | 14,603,000 |
| Net interest income | 5,627,000 | 11,526,000 | 17,297,000 | 22,965,000 |
| Noninterest income | 398,000 | 844,000 | 1,363,000 | 1,843,000 |
| Noninterest expense | 3,107,000 | 6,288,000 | 9,510,000 | 12,913,000 |
| Provision for loan losses | 0 | 138,000 | 207,000 | 207,000 |
| Pretax income | 2,918,000 | 5,944,000 | 8,773,000 | 11,518,000 |
| Income tax | 1,020,000 | 2,064,000 | 2,979,000 | 3,836,000 |
| Net income | 1,898,000 | 3,880,000 | 5,794,000 | 7,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,991,000 | 53,416,000 | 53,133,000 | 54,390,000 |
| Total capital | 56,691,000 | 58,317,000 | 58,283,000 | 59,692,000 |
| Risk-weighted assets | 448,978,000 | 482,879,000 | 489,832,000 | 495,106,000 |
Machine access — free, no API key
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