Call reports 2009
MERCHANTS BANK OF COMMERCE — 2009
What MERCHANTS BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 760,496,000 | 781,851,000 | 796,280,000 | 807,264,000 |
| Total loans | 528,369,000 | 596,530,000 | 601,171,000 | 625,701,000 |
| Allowance for loan losses | 7,662,000 | 8,451,000 | 8,860,000 | 11,168,000 |
| Securities available for sale | 123,538,000 | 76,731,000 | 86,911,000 | 80,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 549,138,000 | 568,261,000 | 602,664,000 | 643,582,000 |
| Interest-bearing deposits | 481,594,000 | 497,149,000 | 529,097,000 | 571,016,000 |
| Noninterest-bearing deposits | 67,544,000 | 71,112,000 | 73,567,000 | 72,566,000 |
| Equity capital | 73,357,000 | 74,862,000 | 75,938,000 | 76,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,601,000 | 20,165,000 | 30,676,000 | 41,255,000 |
| Interest expense | 3,087,000 | 6,015,000 | 8,955,000 | 11,689,000 |
| Net interest income | 6,514,000 | 14,150,000 | 21,721,000 | 29,566,000 |
| Noninterest income | 461,000 | 1,288,000 | 1,817,000 | 2,156,000 |
| Noninterest expense | 3,845,000 | 7,783,000 | 11,822,000 | 15,744,000 |
| Provision for loan losses | 1,425,000 | 4,475,000 | 6,325,000 | 9,475,000 |
| Pretax income | 2,109,000 | 4,658,000 | 7,375,000 | 8,941,000 |
| Income tax | 610,000 | 1,466,000 | 2,373,000 | 2,363,000 |
| Net income | 1,499,000 | 3,192,000 | 5,002,000 | 6,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,202,000 | 74,832,000 | 75,111,000 | 76,262,000 |
| Total capital | 81,213,000 | 82,935,000 | 83,235,000 | 84,559,000 |
| Risk-weighted assets | 640,820,000 | 647,489,000 | 648,734,000 | 660,497,000 |
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